A supercar, a luxury car or a classic car cannot be insured in the same way as an everyday vehicle. Its value, its features, its rarity and the way you use it (on the road, on a racetrack or at car shows) call for cover that is truly up to the task. Drive Prestige has been designed with this in mind: it recognises what makes your vehicle unique and provides cover tailored to its specific needs. Because an exceptional vehicle deserves insurance that is just as exceptional.
The racing circuit option is included as standard: your third-party liability cover applies on motor racing circuits and during tourist rallies, excluding competitive events and timed races.
The market value of a classic car or a vintage vehicle often far exceeds its original purchase price. With first-risk cover, you yourself declare the maximum sum to be insured.
Have you invested in a protective film (PPF) to protect your vehicle’s bodywork? Under the "Intrégrale" plan, the ‘fittings and accessories’ cover protects against damage to this film.
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Breakdown and accident assistance
- Race track (Third-party liability)
- Damage Pack
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pack
- Replacement vehicle
- Luggages and personal belongings
- Taxi
- Modification Pack
- Fittings and accessories
- Options
- Vehicle value protection / buy-back
- Low mileage
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Breakdown and accident assistance
- Material damage
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Race track (Third-party liability + property damage)
- Mobility Pack
- Replacement vehicle
- Luggages and personal belongings
- Taxi
- Modification Pack
- Fittings and accessories
- Options
- Vehicle value protection / buy-back
- Bonus-malus protection for material damage
- Low mileage
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Breakdown and accident assistance
- Race track (Third-party liability)
- Damage Pack
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pack
- Replacement vehicle
- Luggages and personal belongings
- Taxi
- Modification Pack
- Fittings and accessories
- Options
- Vehicle value protection / buy-back
- Low mileage
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Breakdown and accident assistance
- Material damage
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Race track (Third-party liability + property damage)
- Mobility Pack
- Replacement vehicle
- Luggages and personal belongings
- Taxi
- Modification Pack
- Fittings and accessories
- Options
- Vehicle value protection / buy-back
- Bonus-malus protection for material damage
- Low mileage
Add this pack to the "Essentiel" plan to protect your vehicle against:
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
If you choose the "Intégrale" plan, your vehicle is already protected for these types of damage.
- A replacement vehicle for up to 60 days, depending on selected level.
- Cover for transported goods and luggage.
- Taxi cover included if you are unable to drive (up to twice a year).
In the event of a breakdown, accident, or even glass breakage, you get a replacement vehicle suited to your needs, with no unpleasant surprises. Your personal belongings are also protected.
- Accessories covered (bike racks, roof boxes, etc.)
- Wrapping or paint protection covered.
- Support for specific modifications (e.g. customisation, adaptations for people with reduced mobility...).
- Cover amounts based on selected level (up to €15,000).
Under the "Intégrale Plan", the protective film is also covered by the warranty.
You are permitted to use your vehicle on a circuit in the following two cases:
- Free practice sessions on circuits closed to public traffic, free driving, track days and track introductions, excluding any competition, timekeeping, ranking or pursuit of performance;
- Historic rallies organised exclusively for tourist purposes, which are not timed, and involve no ranking or competitive element.
Third-party liability cover is included in both packages (Comprehensive and Essential).
It is possible to add optional cover for damage to property to the "Intégrale Plan".
In the event of a total loss, your vehicle is covered up to the value you specified when taking out the policy, ensuring cover that is perfectly tailored to its value. A prior valuation of the vehicle is not required, and the value can be changed during the term of the policy.
Your vehicle is temporarily not in use (in storage, awaiting sale, under long-term repair)? The "off-road" plans allow you to continue protecting it from major risks—without paying for unnecessary cover.
Two levels tailored to your needs:
- Essential off-road plan: Third-party liability, fire, legal defence & claims
- Comprehensive off-road plan: Third-party liability, fire, theft, glass breakage, natural disasters, animal collision, and legal defence & claims
➡️ For parked and unused vehicles.
- Battery cover: in the event of an accident or fire, the vehicle’s battery is covered.
- Breakdown and accident assistance: in the event of an ‘electrical breakdown’, you are covered by the breakdown assistance cover.
- Cable theft: your charging cable is covered in the event of theft under the fittings and accessories cover (optional).
- Free enodrive badge and priority advice from electris regarding battery installation.
This is a non-exhaustive list of available packs. For the full list, don’t hesitate to ask your agent.
Mobility and Modification packs are available in 3 levels depending on your needs:
| Pack Type | Level 1 | Level 2 | Level 3 |
|---|---|---|---|
| Mobility pack | |||
| Replacement vehicle | Max 30 days | Max 45 days | Max 60 days |
| Luggages and personal belongings | 500 € | 1 000 € | 3 000 € |
| Taxi | 2x /year | 2x /year | 2x /year |
| Modification pack | |||
| Fittings and accessories | 5 000 € | 10 000 € | 15 000 € |
Do you want to take out Drive car insurance?
Drive Prestige is a motor insurance solution designed for luxury, sports and high-value vehicles. In particular, it provides first-loss value cover and offers cover tailored to the use of exceptional vehicles.
Both plans include basic cover: third-party liability, legal defence and recourse, breakdown and accident assistance, and driver protection. The "Intégrale plan" adds cover for damage such as theft, fire, glass breakage, weather-related events, collisions with animals and property damage.
Drive Prestige is designed for sports cars, GTs, supercars, modern classic cars, vintage cars and, more broadly, any vehicle whose value or exceptional nature warrants enhanced protection.
Yes. Drive Prestige offers first-loss insurance. The value of the vehicle is determined at the time of taking out the policy and constitutes the maximum compensation limit in the event of a covered claim.
The cover includes theft of the vehicle, damage caused during an attempted theft, and certain parts and equipment of the vehicle.
Yes. Electronic theft techniques, such as signal relaying or mouse-jacking, are afforded the same protection as other forms of theft.
Yes, under the "Intégrale Plan". The cover includes, amongst other things, the windscreen, side windows, rear window, glass roofs and certain driver-assistance features.
Yes. Weather-related events such as hail, storms, floods or lightning strikes may be covered if they are included in the cover taken out.
Yes. A specific warranty covers accessories, bespoke fittings, protective films and wraps fitted to the vehicle.
Yes. Drive Prestige provides specific cover for free driving on closed circuits, track days and track introductions, provided that there is no competition, timing or ranking involved.
Yes, when they are organised solely for tourism purposes, without any rankings or performance metrics.
They may be covered provided that the relevant add-on cover has been taken out and is specified in the special conditions. A specific excess then applies.
Yes. Breakdown and accident assistance is included in the basic cover and is available 24 hours a day, 7 days a week, both in Luxembourg and abroad, subject to the terms of the policy.
Yes. Drive Prestige offers several levels of cover, with a replacement period of up to 30, 45 or 60 days, depending on the level of cover chosen.
Specific cover is provided for this type of event, including, in particular, certain medical expenses and associated losses, subject to the limits set out in the policy.
In the event of a total loss of the vehicle, this option entitles you to compensation in excess of the standard market value, in accordance with the terms set out in the policy.
Yes. The ‘Property Damage No-Claims Bonus Protection’ option allows you to retain your no-claims bonus following the first claim taken into account during the observation period.
Yes. A low-mileage option is available for drivers who use their luxury car only occasionally.
Yes. Damage affecting, in particular, the traction battery may be covered under the terms of the contract.