Enthusiast Motor Insurance

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Insurance Cover for
Laid-up Vehicles

  • Agreed value policy
  • Covered for removed parts
  • Salvage rights option available
Get a quote

Insurance Cover for
Laid-up Cars

  • Agreed Value Policy
  • Cover for removed parts
  • Salvage rights option available
Get a quote

PROVEN TRACK RECORD

car
0 K+

listed vehicles

We cover just about every make, model, and year

policies.svg
0 K+

policies sold

Enthusiasts like you trust us to look after them.

claims.svg
$ 0 M+

claims paid last year

So if you get in a ding, you know who to ring

calender.svg
2024
providing unique cover ever since

Based here, only with expert Australian staff

0 K+

listed

vehicles

We cover just about every make, model, and year

0 K+

policies

sold

Enthusiasts like you trust us to look after them

$ 0 M+

claims paid

last year

So if you get in a ding, you know who to ring

2024

providing unique

cover ever since

Based here, only with expert Australian staff

What is Laid up Cover

Laid up blue 1975 Ford Mk 1 Escort Coupe facing left and backwards

We’re talking about cars in storage and transport really. Cars off the road for maintenance, for display purposes, project cars not yet able to be driven and even show cars or race cars that need to be either stored, worked on or transported to and from events and races.
This type of cover is what we call  stationary cover, so if it’s moving under its own power it’s not covered. So that’s the difference between your normal comprehensive cover and laid up cover. We do our best to be as clear as possible with our cover but always encourage to refer to the PDS available on this site and get in touch with the Enthusiast team  to discuss any questions you might have.

Do you own a laid-up car?

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Laid up car insurance

Laid up means when your vehicle is not in use and is:
  • Located at the address listed for the vehicle on the schedule
  • Located at a garage or workshop for repair or other works
  • Being loaded or unloaded for transport; or whilst being transported
Laid up 1968 Ford Falcon 500 XT on trailer
Laid up 1975 Holden Torana SL facing to the back

What is your vehicle's value

We take pride in being a preferred choice for specialised motor insurance, offering tailored coverage for your distinctive cars. Together, we’ll establish a mutually agreed value, considering your modifications and unique features. This agreed value is crucial for custom or rare models, which can be worth above and beyond standard vehicles.

Drive with confidence, knowing that our tailored coverage backs your one-of-a-kind vehicle.

Worn, tired or dismantled vehicles can be difficult to value but here the team at Enthusiast have decades of experience upon which to call on

Cover for Removed parts?

Cover the cost to replace parts removed from the vehicle when you have chosen Laid Up cover whilst the parts are being kept in any of the locations listed for this vehicle

Laid up blue 1975 Ford Mk 1 Escort Coupe facing the front

WE’RE GOOD FOR IT

Our underwriter, Assetinsure, is one of the best in the business. They’re one of Australia’s most progressive insurers, backing good businesses across specialist classes of business including surety, financial risk, builders warranty, and (of course) motor insurance.

Legal stuff: Enthusiast Motor Insurance (Financial Services Licence No. 396716) administers this insurance on behalf of Assetinsure Pty Limited, the insurer of this product.

Our underwriter, Assetinsure, is one of the best in the business. They’re one of Australia’s most progressive insurers, backing good businesses across specialist classes of business including surety, financial risk, builders’ warranty, and (of course) motor insurance.

Legal stuff: Enthusiast Motor Insurance (Financial Services Licence No. 396716) administers this insurance on behalf of Assetinsure Pty Limited, the insurer of this product.

Frequently Asked Questions

You’ve got questions. Fire away, we love talking about all kinds of vehicles. But first these are questions we get all the time. For more information, please refer to our PDS.

1934 Ford Roadster
How does a nominated driver policy work?
We know you trust the people you let drive your vehicles. That’s why our Declared Driver policy only covers the approved people who’ll get behind the wheel. It gives you a greater peace of mind and a better price.
Will we insure a modified vehicle?
Enthusiasts make everything better. So we make sure modified vehicles still get the coverage they deserve. To be covered, simply disclose all the modifications you’ve made. If they meet Australian Design Rules (ADRs) and/or the Australian Vehicle Standards Rules (AVSR) of your State or Territory of Australia, then we’re all good!
What are salvage rights?
If it’s a total loss, and it’s that precious to you, you don’t have to lose everything. If it’s over 30 years old, salvage rights are automatically included in your policy. If your vehicle is 15 years old or more, the choice is yours – salvage rights are optional. Check out the exact details in the Policy Disclosure Statement.
Who’ll handle my claim?
Real people, real Australian’s, real motor enthusiasts. They can handle any issues or claims claims via phone or email. They’re on-call Monday to Friday between 9am-5pm AEST. Or if you’re into DIY, download a claims form from our website and off you go.

Our Customers

Giuseppe

“Enthusiasts are my choice of insurer, doing business with people who live, breath and love classic cars. There passion echoes through there service and professionalism.”

Terry

“Being one of your happy clients, I had weighed up that R-I-S-K goes both ways. I, as a client, had researched the ‘balance’ between benefits and potential difficulties.”

Himmy

“I have my entire car collection insured with the great team at Enthusiast and really love that my calls always get answered quickly and I’m given the best rates from people who know about the special vehicles I own.”

Giuseppe

“Enthusiasts are my choice of insurer, doing business with people who live, breath and love classic cars. There passion echoes through there service and professionalism.”

Terry

“Being one of your happy clients, I had weighed up that R-I-S-K goes both ways. I, as a client, had researched the ‘balance’ between benefits and potential difficulties.”

Himmy

“I have my entire car collection insured with the great team at Enthusiast and really love that my calls always get answered quickly and I’m given the best rates from people who know about the special vehicles I own.”

Talk to someone who gets
you and your car

Call a fellow enthusiast on 1800 10 10 44
Email us motor@enthusiast.com.au

Get a quote

PLEASE NOTE:

We will cover Modifications which you have listed in your Schedule or given us details of in writing, and which we have accepted.

Enthusiast Underwriting Pty Ltd ABN 35 142 206 746; AFS Licence No. 396716 has designed this insurance product for the specific needs of motoring enthusiasts throughout Australia. This insurance is issued by Assetinsure Pty Limited (ABN 65 066463 803) and is subject to underwriting acceptance criteria. Assetinsure is licensed by APRA in Australia. Assetinsure has granted Enthusiast a Binding Authority to market, underwrite, bind cover and manage this policy. Enthusiast Underwriting Pty Ltd acts as an Underwriting Agent on behalf of Assetinsure and not as your agent. To decide if it is right for you, please carefully read our Product Disclosure Statement before you make any decision. You can obtain it from Enthusiast Motor Insurance by calling 1800 10 10 44.