Enthusiast Motor Insurance

Insurance Cover for
Laid-up Vehicles

100k+

Listed vehicles to select from

We can cover nearly every make and model no matter what year

75k+

Policies sold

Customers have trusted us to cover their vehicles year on year

$5m+

Claims paid in 2022

Tailored coverage so you can have peace of mind if an accident happens

12+ yrs

Providing cover since 2011

Our Australian team has over 150 years of combined motor insurance experience

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

What is laid up cover?

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.

Laid up car insurance

Laid up means when your vehicle is not in use and is:
Laid up 1968 Ford Falcon 500 XT on trailer

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

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.

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

Do you own a laid-up car?

Protect what’s important to you with Enthusiast Motor insurance because when you drive less, you spend less. 

Enjoy the drive

Leave the insurance to us

We offer affordable, comprehensive insurance for all types of vehicles from Show Cars, Modified Cars, Laid Up Vehicles, Conditional, Imported and Classic Cars.

1934 Ford Roadster

Frequently Asked Questions

As Enthusiasts, we know that some vehicles weren’t perfect when rolling off the factory floor. For that reason, we have made sure these modified vehicles still get the coverage they deserve. Our modified cover requires policyholders to disclose all modifications to their vehicles in order to be covered under the policy. Any modification to the covered vehicles is required to comply with the Australian Design Rules (ADRs) and/or the Australian Vehicle Standards Rules (AVSR). This includes any in-service requirements of the AVSR and compliance with the equivalent regulations of a State or Territory of Australia. 

We know our clients care about their vehicles and wouldn’t hand the keys to someone they don’t trust. For that reason, we can provide lower pricing to our customers by only covering nominated drivers on the policy. You will need to nominate every driver of your vehicle for your vehicle to be covered whilst they are driving. If a driver of the vehicle has an accident and they aren’t nominated or named on the policy, then we won’t cover the accident.

This benefit that allows you to choose to keep the salvage of your total loss vehicle. In the case of a total loss, you will be able to take any parts off that vehicle you desire. This will however, require you to collect the vehicle from the holding location and dispose of any unwanted parts yourself at your own expense. This benefit with Enthusiast can either be a automatic or an optional extra, depending on your vehicle’s age. Please see the Policy Disclosure Statement for more information.

Our in-house Australian-based claims team will be on-hand to handle any claim you have with us. They can handle all your claims enquiries via phone or email and are available Monday to Friday between 9am-5pm AEST. Additionally, you can download a claims form from the website at any time to start your claim process.

Enthusiams from Our Happy Customers

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.