Private Client
Luxury & High-Performance Auto Insurance.
Agreed-value, OEM-parts, and concierge-claims auto programs for luxury, exotic, and collector vehicles — coordinated with the personal umbrella.
Why a private-client auto carrier is different
Standard auto policies pay actual cash value at total loss, use aftermarket parts at repair, and cap diminished-value claims. Private-client carriers — Chubb, AIG Private Client, PURE, Cincinnati Private Client, Vault — write agreed-value contracts, require OEM parts, pay diminished value, and assign concierge claims handling that matters when the loss involves a six- or seven-figure vehicle.
Collector, exotic, and track-use eligibility
Collector and exotic vehicles often qualify for separate collector-car forms (Hagerty, Chubb Collector, Grundy, American Modern) with mileage caps, garaging requirements, and limited pleasure use. Daily-driver luxury vehicles sit on the personal auto policy. Track-day, time-trial, and high-performance driver-education exposure is excluded from both forms — a separate track-day endorsement or event coverage is required.
Coordinating with the personal umbrella
Luxury and high-performance vehicles raise the bar on liability limits. Underlying auto liability typically needs to meet the umbrella carrier's minimum (often $500k or $1M combined single limit) and excess UM/UIM should be confirmed on the umbrella for any household with teen drivers, public profile, or aggressive performance vehicles.
Frequently asked questions
When should a vehicle move from the standard auto policy to a private-client carrier?
Once any single vehicle approaches six figures, when the household carries scheduled valuables and a private-client home policy, or when prior claim service on the standard market has been disappointing. We benchmark against the standard market every renewal so the decision is current.
Is a separate collector-car policy needed for a weekend or show vehicle?
Usually yes — collector-car forms are dramatically less expensive than the principal auto policy, pay agreed value, and protect the appreciating asset. The trade-off is mileage, garaging, and pleasure-use restrictions that need to fit how the vehicle is actually driven.
What about track days, lapping events, and driver-education?
Both standard and collector-car forms exclude competitive and on-track use. Drivers attending HPDE events or club track days need a separate event policy — typically inexpensive day-of coverage that fills the on-track gap without endangering the underlying form.
How are vehicles valued for agreed-value coverage?
On production luxury vehicles, manufacturer MSRP and current market data set the value. On exotic, collector, and limited-production vehicles, recent comparable sales and an enthusiast-market appraisal drive the schedule. We update agreed value at every renewal and after any major modification or restoration.