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Enthusiast Car Insurance

Enthusiast is a specialist insurer which focuses its services on classic and performance vehicles for those passionate about cars. Read our review to learn more about its policies!

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, updated on February 16th, 2024       

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Enthusiast is an insurance company based in Australia which specialises in offering cover for classic, vintage, performance and even brand-new cars, with policies aimed at those passionate about their cars. Their insurance is designed to meet the unique needs of these vehicles, which isn’t always the case with standard policies.

Find out more about Enthusiast and the coverage they have on offer in our review. Learn about the ins and outs of their policies, as well as what you may be able to add to your coverage, right here!

Disclaimer: all coverage offered by Enthusiast is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Enthusiast if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Enthusiast for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

Enthusiast car insurance

What car insurance policies are available through Enthusiast?

Enthusiast offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

Comprehensive insurance is the highest level of cover provided by Enthusiast, offering more protection for damage to your vehicle among other areas. The inclusions which can be covered under this Comprehensive Car Insurance are:

  • Accidental loss of or damage to your listed vehicle, including any listed modifications
  • Up to $20 million in legal liability cover for damage to other people’s property caused by you while driving your car
  • Cover for using a substitute vehicle following a covered accident
  • Cover for clean-up costs following a covered accident
  • Supplementary cover for bodily injury or death caused in a covered event you’re liable for
  • Coverage for reasonable cost of emergency repairs to ensure your car is safe to drive (up to $500)
  • Replacement of your car with a new vehicle of the same make, model, engine and features (if available in Australia) if it’s declared a total loss after being purchased new and there are less than two years from its initial registration
  • Reimbursement of reasonable costs for a hire car after theft or attempted theft until your car is found in a roadworthy condition, repaired or your claim is settled (up to a maximum of the lesser of 14 days and $1,500 in total and provided your annual distance driven exceeds 8,000km)
  • Reimbursement for personal items damaged in a covered incident (up to $500)
  • Theft of, or damage to, your trailer (up to the lesser of its market value or the cost of repairs)
  • Reimbursement of reasonable costs for emergency accommodation and completion of journey costs if your car is deemed unsafe to drive due to a covered incident and you're at least 150km from where it’s typically kept (up to $1,000 per claimable event)
  • If your keys are stolen, coverage for the repair, replacement or recoding of your keys, locks and barrels
  • Temporary cover for a replacement vehicle after you sell or give away your current car and gain a new one (subject to terms and conditions)
  • Choice of licensed repairer (subject to terms and conditions)
  • Reimbursement of reasonable costs for towing your vehicle if it's deemed unsafe to drive after an accident or theft (no more than 72 hours of storage costs)
  • Agreed value sum insured
  • Salvage rights if your vehicle is declared a total loss and is over 30 years old and the ability to purchase the salvage of your vehicle if it’s declared a total loss due to a covered accident or theft (subject to terms and conditions)
  • Lifetime guarantee on repairs for an accident and theft by Enthusiast
Third Party Property Damage Car Insurance

Third party property damage cover is designed more to protect you against having to fork out large sums in the event you damage someone else’s property. Enthusiast’s Third Party Property Damage Car Insurance includes:

  • Up to $20 million in legal liability cover for damage to other people’s property caused by you while driving your car
  • Cover for using a substitute vehicle following a covered accident
  • Cover for clean-up costs following a covered accident
  • Supplementary cover for bodily injury or death caused in a covered event you’re liable for
  • Damage to your vehicle caused by an uninsured driver (up to $5,000)
  • Lifetime guarantee on repairs for an accident by Enthusiast

Are there any optional extras available through Enthusiast?

Yes – Enthusiast offers several optional extras on its Comprehensive Car Insurance policies. These are:

  • Salvage rights if your vehicle is declared a total loss and is between 15 and 30 years old
  • Free cover for windscreen or side or rear mirror damage claims
  • Maximum no-claim bonus rating protection
  • Reimbursement of reasonable costs for a hire car after a covered event until your car is repaired or your claim is settled (up to a maximum of the lesser of 14 days and $1,500 in total and provided your annual distance driven exceeds 8,000km)
  • Cover for loss of or damage to spare parts due to fire or theft stored at the location listed on your policy (up to $2,500)

What are some of the pros and cons of buying car insurance through Enthusiast?

  • Tailored for classic or performance cars: if you’re a motoring enthusiast, this insurer may be able to offer the cover you’re looking for when it comes to your vintage or classic car or high-performance luxury vehicle.
  • Salvage rights for total losses: if your vehicle is declared a total loss in a claimable incident, Enthusiast enables the owners of eligible cars to receive salvage rights, which can be useful if you want to strip it for parts.
  • Choice of repairer: being able to choose your preferred licensed repairer (subject to Enthusiast’s terms and conditions) can bring greater peace of mind that your car is being handled by someone you can trust.
  • Designed more for collectors: although there’s little doubting the benefits for car collectors and enthusiasts, standard vehicle owners may not benefit as much from these policies.
  • Limited hire car cover: if your car needs to be repaired after theft, Enthusiast will only cover up to 14 days’ worth of costs, while rentals after any other claimable incident can only be covered with an added extra.

Common questions about Enthusiast car insurance

Does Enthusiast offer cover for laid-up vehicles?

Yes – you can purchase specialist Laid Up cover through Enthusiast if your vehicle isn’t being used, regardless of whether it’s currently in working condition. This means that dismantled vehicles can also be covered under this type of policy while they’re being reconstructed. You can also cover imported vehicles which may not otherwise be able to be covered by other providers.

Who underwrites Enthusiast’s car insurance?

Enthusiast Motor Insurance is underwritten by Assetinsure, a company which also underwrites commercial car insurer Mercurien alongside others offering landlord and owner-builder insurance.

In what states does Enthusiast offer car insurance in Australia?

Enthusiast offers car insurance products for drivers in all states and territories in Australia.

How do I make a claim through Enthusiast?

To make a claim on your Enthusiast car insurance policy, you can fill out a claim form on their site and email it to them, as well as phone them during business hours for any further enquiries.

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Enthusiast car insurance

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