Owners Club Car Insurance from Keith Michaels
As a specialist insurance broker, Keith Michaels is well suited and experienced with arranging insurance for members of owners’ clubs. We have taken care of many clubs throughout our 35+ years including M3 Cutters, West Sussex Scoob, Evo Owners and many more.
Unlike generic car insurance, specialist insurance recognises that cars kept by enthusiasts – whether modified cars, performance vehicles, or imports – are often used under very specific conditions. Namely, limited mileage, careful ownership, and participation in shows or club events.
At Keith Michaels, our car club insurance schemes are tailored to enthusiasts in the community.
We understand that owners club members often represent a lower-risk profile, maintain vehicles meticulously, and may only take them out on special occasions; all of which helps us to offer competitive and appropriate cover that reflects how these vehicles are used in real life.
What Is Owners Club Car Insurance?
Owners Club Car Insurance is specialist vehicle cover designed for members of recognised car clubs, often including benefits like agreed value cover, modification-friendly underwriting, limited mileage policies and exclusive club discounts.
These policies recognise that enthusiast vehicles — from classics and performance cars to modified builds and imports — often don’t fit standard insurance policies.
Keith Michaels provides tailored Owners Club insurance across the UK, working with clubs and individual enthusiasts to offer cover that reflects both the vehicle’s value and the passion behind it.
The Benefits of Owners Club Car Insurance
Car club insurance is ideal for enthusiasts whose vehicles don’t always fit neatly into mainstream insurance models.
Owners’ clubs often bring together drivers of cars that require a more considered approach, from show cars and limited-run performance models to iconic marques and specialist imports.
You may benefit from car club insurance if you:
- Only drive your car occasionally or on a limited mileage basis
- Keep your vehicle in excellent or show-condition
- Attend organised club events, rallies or shows
- Are a member of a recognised owners club
If this sounds like you, a car club insurance policy from Keith Michaels can be tailored to your individual circumstances.
Rather than relying on generic assumptions, we work with clubs and their members to ensure both the vehicle and its usage are properly understood and fairly priced by underwriters.
How to Get a Quote for Owners Club Car Insurance
Getting a quote for car club insurance with Keith Michaels is straightforward and personal.
Simply get in touch with our specialist team and let us know:
- Which owners club you’re a member of
- The type of vehicle you own and how it’s used
- Any relevant details like mileage, events or shows
We’ll take the time to understand your circumstances and approach our panel of specialist insurers to find the most suitable options.
Many customers find that speaking with us directly allows us to explore additional benefits and savings that wouldn’t be available through an online quote alone.
or call us on 0208 329 1150
The Keith Michaels Difference
- 35+ years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
Examples of insurers we work with
How Keith Michaels works with owners’ clubs
For over 35 years, since launching in June 1989, Keith Michaels has worked closely with owners’ clubs and car enthusiasts across the UK, providing specialist insurance for vehicles that don’t fit standard policies.
Rather than a one-size-fits-all approach, we focus on understanding the car, the owner and the club behind it.
Our clients work with dedicated brokers who are genuine petrolheads themselves, many of whom actively support enthusiast communities.
From our presence at Surrey Rolling Road to working with clubs for Mitsubishi Evo, Renault Megane RS, Subaru Impreza, Porsche and BMW M3 owners, our team understands the passion behind these cars — helping to hand-craft tailored policies for enthusiasts of all tastes.
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Why Choose Keith Michaels for Your Owners Club Car Insurance?
Keith Michaels has been arranging specialist motor insurance for over three decades, with a reputation built on expertise, personal service and a genuine passion for cars.
When you choose Keith Michaels, you benefit from:
Decades of specialist experience in performance, classic and enthusiast vehicles
A knowledgeable UK-based team, not a call centre
Tailored insurance solutions unavailable on mainstream comparison sites
A personal approach, with advisers who understand both your car and your club
If you’re a car club member looking for insurance that truly reflects your vehicle and how you use it, speak to Keith Michaels’s brokers or get a quote today.
Our experienced team is ready to help you find the right cover, at the right price, with service you can rely on.
Owners Club Car Insurance FAQs
We’ve compiled a list of the most frequently asked questions about Car Club Insurance to help you make a decision.
Who qualifies for Owners Club Car Insurance?
Members of UK car clubs covering classic, performance, modified or specialist vehicles may qualify for discounted insurance through Keith Michaels.
If you’re unsure whether or not you qualify or may qualify, get in touch with us to find out, as you might be eligible for Owners Club discounts.
Does Owners Club insurance cover modified cars?
Yes. Keith Michaels specialises in modified car insurance, including engine upgrades, suspension changes, cosmetic modifications and imported parts.
Can I get agreed value cover through an owners club?
In many cases, yes.
Agreed value policies are common for classic and specialist vehicles where market value may not reflect true worth. However, we also utilise tailor-made equivalents, depending on the insurance contract or insurer used.
Do Your Policies Take Limited Mileage Into Account?
Yes, Keith Michael’s offer limited mileage policies for cars that aren’t used that much. For example, a prestige car or race-tuned vehicle will often live most of its life in a secure garage or storage area. This type of vehicle often does very limited mileage due to the nature of its usage (only being taken to a track or show every so often).
Can You Provide Cover for Modified Show Cars?
Yes, at Keith Michaels we specialise in finding insurance for a range of different needs. If your show car has undergone various modifications, we take these into account while locating the right insurance at the fairest price. Read more about our modified car insurance.
Do You Offer Car insurance for Travel to Events in Europe?
We can obtain insurance for those who might take their show car to specialist events like the Geneva Motor Show, InterClassics, or other events in Europe. We provide cover for up to 120 days of travel across Europe, giving you peace of mind that you’re protected on your travels. Find out more about insuring your car to take to Europe.
Are Car Club Insurance Premiums Cheaper?
In many cases, yes. Car club insurance premiums can be lower because insurers recognise that car club members typically represent a lower-risk profile. Enthusiasts also typically maintain their vehicles to a higher standard, drive fewer miles, and take greater care of their cars compared to the average motorist.
Keith Michaels works closely with owners clubs to help insurers understand these factors, which can result in preferential rates or exclusive discounts for club members. Savings will always depend on individual circumstances, including driving history, vehicle type and usage, but club membership can play a meaningful role in securing more competitive terms.
Can Owners Club Car Insurance Cover Modified or Show Cars?
Yes. One of the key advantages of car club insurance arranged through a specialist broker like Keith Michaels is the ability to cover modified, performance and show vehicles correctly. Standard motor insurance policies may struggle (or outright refuse) to account for non-factory modifications or specialist use.
Through owners club schemes, insurers can take a more informed view of modifications, agreed values, limited mileage and show attendance. This ensures your vehicle is insured in line with its true specification and usage, without unnecessary exclusions or assumptions.
Do I Have to be a Member of a Car Club to get Car Club Insurance?
Yes. Car Club Insurance is typically only available to active members of a recognised owners club. This is because the insurance benefits are negotiated specifically for that club and its members, based on shared characteristics like vehicle type, ownership standards and responsible use.
Keith Michaels partners with a wide range of owners’ clubs to arrange insurance solutions that benefit their members. Once you’re a member of a participating club, you may be eligible to access the associated insurance scheme, subject to underwriting criteria and individual assessment.