Schwarzer klassischer Sportwagen im Heckprofil in einer dunklen Garage mit dramatischer Beleuchtung

Services for Premium Cars

Exclusive vehicles deserve exclusive protection. We offer tailored insurance solutions for high-value sports cars, classic cars, and enthusiast vehicles – with the goal of securing your vehicle's value long-term.

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Our Services for Premium Cars

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Key considerations for Premium Cars

We help you find the right insurance policies for your needs – not too much, but not too little either!
Which insurance is advisable for premium cars?
In addition to statutory liability insurance, comprehensive insurance is almost indispensable, as it also covers:
self-inflicted damage, vandalism, and total losses to your vehicle.  
What is particularly important for insurance?
- High coverage limits
- Extended new-for-old replacement
- Coverage for optional extras
- GAP coverage for leasing
Why are premium vehicles more expensive to insure?
- Higher repair costs
- Specialized spare parts
- Higher engine performance - greater risk
Accident Insurance
Yes, but:
- Check insurance coverage
- Consider additional coverage for non-EU countries
What makes a premium insurance policy at Klugversichert special?
- Customized policy design
- High coverage limits
- Protection even in cases of gross negligence
- Exclusive additional services (e.g., breakdown cover, concierge service)
How does claims processing work at Klugversichert?
- Personal contact person
- Fast and discreet processing
- Coordination with certified brand workshops
Can I bundle multiple vehicles?
Yes, we offer solutions for second cars, vehicle fleets, and collector vehicles.
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Optimization & Cost Savings

Do you have too many or overpriced insurance policies? We help you review and optimize your existing policies:
Free Analysis We check if your current insurance coverage still truly fits your life situation.
Insurance Comparisons We find better alternatives with better value for money.
Benefit from Bundle Discounts Some insurers offer discounts when you combine multiple policies – we show you how to save.
Contract Review & Cancellation Service We help you cancel unnecessary or overpriced insurance policies and switch seamlessly.
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Financing & Protecting Your Future

In addition to insurance, we also offer financing options for various life situations:

Do you want to buy or build a property? We help you find the best financing terms.
Installment Loans & Debt Restructuring
Reduce your interest rates through smart debt restructuring or secure better terms for new financing.
Retirement Planning & Savings Plans
What options do you have to supplement your pension and plan for the future? We provide independent advice.
Tax-Optimized Insurance Products
Use legal options to save on taxes with insurance.

Your advantages with Klugversichert

Independent & transparent advice
Tailored solutions
Personal contact person
Consultation by phone, video, or chat
Cost savings through insurance strategies
Our Process - simple & straightforward
Junge Frau mit langen Haaren und gestreifter Bluse hält eine Mappe und blickt in die Kamera
Learn more about Klugversichert here
01
You contact us

Whichever way is most convenient for you: via form, email or phone.

02
We discuss your situation

In a personal conversation, we find out what you truly need. Clear and without sales pressure.

03
You get your quote

Clearly explained, no hidden costs. If you wish, we can also take care of finalizing the policy directly.

04
And what if something comes up?

In case of a claim or if you have questions, we are by your side. Personal, fast, and straightforward.

Schedule a consultation

Customer Feedback

Our customers particularly value our clear advice, genuine support, and the reassuring feeling of being understood.
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Finally understood everything – in English.
"I had no idea about the German insurance system – and was completely overwhelmed. Klugversichert explained everything to me step-by-step, in English, patiently and clearly. Now I finally feel secure and well-covered – without language barriers."
– René S., Expat
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Fully there for me in an emergency.
"After an operation, I didn't know how to handle all the insurance matters – but Klugversichert took care of everything. I just had to send the invoices, the rest was easy. That's what real support feels like!"
– Manoj D., Expat
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Tailored insurance package for my business.
"I run a small business – and Klugversichert put together a perfectly tailored insurance package for me. Everything was simple, fast, and personal. Highly recommended!"
– Lukas U., Entrepreneur

Frequently Asked Questions

What documents do I need to take out insurance?

We require a copy of your vehicle registration document, the current mileage, and proof of your driving experience with a sports car – for example, a confirmation from your previous insurer regarding the last five accident-free years.

Which vehicles count towards driving experience?

Sports cars, e.g., Ferrari F8, Lamborghini Huracan, Bentley Continental GT, Aston Martin Vantage V8, Audi R8, Porsche GT3, Porsche 911 Turbo S, Mercedes AMG GT. Other individual arrangements are possible.

What is the maximum annual mileage?

Typically, up to 12,000 km per year are covered. If you drive more, that's not a problem – we'll find a customized solution for you.

Does my vehicle have to be garaged?

Yes, between 11:00 PM and 6:00 AM, your sports car must be parked in a single or double garage. This obligation does not apply if the insured vehicle cannot be stored at the agreed location during a trip (holiday). Other parking locations are possible by arrangement.

What is the special deductible on the racetrack?

Additionally, in the event of damage or destruction due to an accident, a special deductible of 25% of the compensation applies, with a minimum of EUR 12,500. There is no insurance coverage for damages incurred during participation in motorsport events focused on achieving maximum speed, such as races.

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Are you unsure which insurance is right for you?

Our experienced team will advise you personally and find the right solution together with you.