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Why a high-performance car costs more to insure
Citizens Information gives the reasons. The value of the car counts for third party, fire and theft and comprehensive cover because a more valuable car costs more to replace, and a more powerful car is considered more likely to be involved in an accident. Age counts too: Citizens Information notes that insurers treat young drivers as a higher-risk category, so a young driver in a powerful car carries both.
Where the car is kept is asked as well. Citizens Information notes that some companies impose a loading if the car is not kept in a garage or driveway at night, and lists secure parking among the steps that can cut the cost. Give the details accurately.
Each insurer decides which models it will quote, so one refusal is not a verdict. Three written refusals bring you under Insurance Ireland’s Declined Cases Agreement, and its committee arranges a quote; see our refused car insurance page.
Modified cars: what to declare and how to compare quotes
Any change from the factory specification, whether a remap, exhaust, induction, suspension, brakes, wheels or bodywork, is something to declare. Citizens Information says to disclose all relevant information to an insurer when buying or renewing, and that if you are unsure whether a fact is relevant you should disclose it and let the insurer decide. Under the Consumer Insurance Contracts Act 2019 you must answer the insurer’s questions honestly and with reasonable care, and the Competition and Consumer Protection Commission (CCPC), the State’s consumer watchdog, warns that a policy can be cancelled for undisclosed details and that you may then find it difficult to get cover. Keep the receipts and a list of the changes, with dates.
Compare like with like: the excess, and whether windscreen cover, breakdown assistance and a replacement or hire car are included, because the CCPC says those benefits vary between insurers. A lower price on a policy that excludes a modification you declared is not a lower price.
Two-seater or convertible? Our sports car insurance page covers the same ground for sports cars. Imported? See insurance for Japanese import cars. Young driver? See young drivers car insurance.
Have ready the registration, the exact model and engine size, a dated list of modifications with receipts, where the car is kept at night, your licence and your no-claims bonus letter. To go through the options, call 0818 92 92 42, Monday to Friday, 9am to 5.30pm.
Sources: Citizens Information – motor insurance; Consumer Insurance Contracts Act 2019; CCPC – car insurance. Last reviewed September 2026.
