Lumley Special Vehicles Car Insurance

From vintage classics to modern favourites, Lumley Special Vehicles offers insurance options designed to meet the needs of Australian car enthusiasts. Read our review to learn more about its products!  

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, updated on February 16th, 2024       

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Lumley Special Vehicles – also referred to as LSV – provides insurance for motoring enthusiasts, covering everything from vintage cars to modern classics. Backed by IAG, one of Australia's largest insurance providers, Lumley Special Vehicles offers a variety of car insurance options to Australian drivers to protect their specialist vehicle.

In this review, we take a look at Lumley Special Vehicles’ car insurance options to give you an understanding of what’s on offer. Learn about the different types of insurance it offers, what is and isn’t covered and the optional extras you can add today!

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

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

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What car insurance policies are available through Lumley Special Vehicles?

Lumley Special Vehicles provides the following types of car insurance:


Comprehensive car insurance offers the most extensive protection of the different types of cover available in Australia, covering you, your passengers, your vehicle and other vehicles or property in case of damage or an accident. Lumley Special Vehicles’ Comprehensive policy offers the following inclusions:

  • Emergency repairs following an accident, up to $750
  • New vehicle replacement following total loss for vehicles less than 12 months old
  • Rental car costs following theft for up to 14 days, for a maximum of $1,400 (private or business use vehicles only)
  • Accidental damage to personal effects, up to $500
  • Emergency accommodation and completion of journey costs if you are more than 200km from home, up to $1,000
  • Theft of keys and re-coding costs, up to $1,500
  • Replacement vehicle cover for 14 days after purchase
  • Theft or damage to a trailer, up to $1,000
  • Off-road cover for four-wheel drives
  • Reasonable towing and storage costs following an insured event
  • First option to purchase the salvage following your vehicle being declared a total loss
  • Legal liability cover up to $30 million
  • All legal costs relating to court proceedings arising from an insured event
  • Substitute vehicle during service or repair
  • Cleaning up costs after an accident
  • Maritime law liability charges
Third Party Liability

The most basic form of optional car insurance, this type of cover is designed to cover damage your car causes to other people’s property, rather than damage to your own vehicle. Lumley Special Vehicles’ policy offers the following inclusions:

  • Up to $30 million legal liability cover
  • All legal costs relating to court proceedings arising from an insured event
  • Substitute vehicle during service or repair
  • Cleaning up costs after an accident
  • Maritime law liability during sea transportation

Are there any optional extras available through Lumley Special Vehicles?

Yes – Lumley Special Vehicles’ Comprehensive car insurance policy offers a number of optional extras:

  • Salvage rights for vehicles aged 25 years or older in the event of a total loss
  • Excess-free windscreen and window glass cover for accidental breakage
  • Rental car costs following an accident, for a maximum of 14 days
  • Coverage for loss or damage of spare parts during restoration or repair
  • Coverage for loss or damage to owned mobile phone or GPS unit due to accidents, fire, storm, theft or in the course of employment
  • Finance loss protection covering 75% of the difference between the sum insured and amount owed in the event of a total loss

The following variations also apply to all levels of cover:

  • Higher standard excess to lower premiums
  • Named drivers only restriction
  • Driver age restriction

What are some of the pros and cons of buying car insurance through Lumley Special Vehicles?

  • Choice of repairer: if your car needs repairing, you can choose your own repairer.
  • Agreed value insurance: you can insure your car for an agreed value, ensuring you get the amount you expect if your car is written off.
  • High legal liability cover: up to $30 million in legal liability against loss or damage to someone else’s property caused by the use of your car.
  • No insurance for under-25s: drivers under 25 are excluded as standard from Lumley Special Vehicles’ car insurance policies.
  • Limited new-for-old car replacement: Lumley Special Vehicles will only replace new cars that are written off if they are less than 12 months old.

Common questions about Lumley Special Vehicles car insurance

Does Lumley Special Vehicles cover learner drivers?

Yes – although Lumley Special Vehicles will not insure licensed drivers under the age of 25, learner drivers are covered as long as they are accompanied by a fully licensed driver.

Does Lumley Special Vehicles offer roadside assistance?

No – Lumley Special Vehicles does not offer roadside assistance as a part of its car insurance plans or as a separate service you can subscribe to.

Can I adjust my cover depending on how I use my car?

Yes – you will be able to specify the use of your vehicle in your policy schedule, which may allow you to adjust your premium. Use could be:

  • Daily commute
  • Daily non-commute
  • Business purposes
  • Recreation
  • Limited recreation
  • Restoration/storage
  • Stable/collection
  • Club plates
How do I make a car insurance claim with Lumley Special Vehicles?

To make a claim, you can call Lumley Special Vehicles 24/7 and provide the following information:

  • What happened, when and where
  • Details of the individuals involved, including their names, addresses and registration numbers

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