It’s no secret that some cars are more difficult to insure than others. When you begin browsing showrooms and dealerships for your next car, it’s worth considering how difficult it could be to insure the cars you are contemplating buying. The dream car might seem to be within your budget, but you may be unable to get it insured. You don’t want to buy a car and then find you won’t be able to drive it. You should always check what kind of quote you can get for your car before you buy it, or if you will even be able to get it insured at all.

How will you be able to tell which cars will be the most difficult to insure? There are certain things which ring insurers’ alarm bells when deciding on how much they are going to charge to insure your car. Some cars, they may completely refuse to insure. Here are the things that you should be wary of, which could make a car particularly difficult to insure.

Expensive Cars

This one probably won’t come as too much of a surprise to you. Insurers don’t want to insure expensive cars because the more valuable a car is, the costlier it is to repair. They don’t want to have to pay for these expensive repairs, so they will likely pass the expenses onto you to ensure that they are still making money from insuring you. Quotes for a Lamborghini Murcielago, for example, (some models of which were sold for $400,000 when brand new) can be as high as £3,900. This may make your dream of owning a luxury hypercar a bit more distant, so it’s worth bearing this in mind when you are thinking about splashing out on a particularly pricey pair of wheels.

Fast Cars

Insurers don’t particularly want to insure fast cars, either. Faster vehicles aren’t necessarily more likely to be involved in road accidents, but it’s clear that insurers consider them to be a more dangerous car to insure. Although you probably will be able to insure a quick car, it will cost you a lot more to do so than a slower, safer alternative.  The average yearly insurance premium for an Audi RS 7 (which goes from 0-60 in 3.7 seconds) tends to stand at around £1500, Which is over £700 more than what you would pay to insure a tamer, slower vehicle such as a Honda Accord.

Older Cars

Some insurers will no longer insure a car once it passes a certain age. This threshold can vary from 14 to 20 years old. They state that the reason for doing this is because the frequency of personal injuries is higher in cars of these ages.

The older cars that insurers will cover can also be more expensive to insure than newer cars. This is because newer cars are fitted with better safety features and are generally more reliable. Although MOT tests are in place to ensure a car is up to working standard and is safe to drive on the road, studies have shown that older cars are far less safe than moderner models. Newer parts can be added to old cars cars to improve this, but if you are looking to buy a second hand car, you should make sure you check its age, its reliability and what safety features are fitted to try and increase your chances of getting a more affordable insurance quote.

Classic cars

Reliability is only one of the potentially major problems which causes concern amongst insurers. As well as the fact that the parts are more likely to break because of their age, replacing the damaged or broken parts is also extremely difficult to do with some classic cars. Some come with specialised, outdated or obsolete parts which are no longer on the market, making replacement parts very expensive. They also lack the safety features that new cars possess, making them more dangerous to drive. All of these factors together make insuring classic cars too big of a risk for many insurers.

Fortunately, specialist classic car insurance is available should you decide to purchase a classic model.


Convertible cars are seen as highly desirable commodities by many. Visions of cruising down a sunny mountain road with the roof down make it easy for us to get attracted to the convertibles in the showroom. One thing to be aware of, however, is that convertibles generally cost more to insure than their fixed roof equivalents. This is because convertibles are often targeted by thieves, as they see them as easier to break into. When pricing up a convertible, make sure you also check the quotes you can get for insuring it, you may be able to purchase the car, but the running costs may be beyond your finances because of the particularly pricy insurance premiums that come with it.