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Competition Car Insurance

Specialist insurance for manufactured or modified vehicles used in competitive motorsports.

  • Specialist team
  • In-transit cover 
  • UK-based support online
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If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 4252 customer reviews

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Why choose competition car insurance with Towergate?


Specialist Friendly Team

With over 35 years’ experience in the specialist car industry, Footman James’ friendly team is on-hand to help.


In-transit cover

Cover for your vehicles in-transit to an event.

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Optional extras

Tailor your policy to suit your requirements. Option to add Road Rally Sections and Tools, Spares and Protective Clothing to your policy.

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Pay for your competition car insurance by direct debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About competition car insurance


Liability cover

As standard we provide cover for any incidents involving another vehicle where you are at fault as well as legal liability for death or injury to any other person including passengers. Additionally, we offer a standard £20,000,000 for damage to other people’s property.


Fire and theft

We’ve included theft, and attempted theft, as standard on our competition car policies as well as fire cover, so you can have peace of mind that you are insured against damage or loss as a result.


Retrieve and store your documents online

We're ever improving our service for our customers and online customers are now able to retrieve and store their policy documents online. Simply login to our new document portal and find all your documents in one place.


Specialist insurance rates for car club member

We give specialist rates if you are a member of a Footman James approved classic car club. These can be applied both online and over the phone. You can also get discount if you limit the mileage on your cherished car insurance policy. Mileage options available are between 1,000 and 10,000 miles.

Additional cover


Protected No Claim Discount

You won’t lose your No Claim Discount after making a claim when you’re at fault (unless you make more than two claims in any five-year period).


Tools, Spares & Protective Clothing

Cover for up to £2,000, £5,000 or £10,000 of tools, spares and protective clothing only and when directly relevant to the insured vehicle.


Road rally sections

Provides Third Party Only, or equivalent cover, where required for road/special sections and stages of events where the cover is legally required only.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 03301 627 791 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Competition car insurance FAQs

Yes we can, through our storage and transit cover. This will cover your vehicle while being stored at the event and while in transit to the event. We can even cover the trailer it is being carried on.

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Read our competition car insurance articles

How to find the value of your classic car

Buying, selling or looking to insure a classic car? Discover how with our guide to valuing your classic car using the famous Triumph Spitfire as an example

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Towergate's Top 10 UK Scenic Driving Routes

View our top 10 driving routes across the UK. Written in conjunction with our friends at Footman James.

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