Aston Martin Insurance
Call Us: 603-766-3733
Owning an Aston Martin is one of those experiences that blurs the line between driving and collecting art. These cars carry decades of British racing heritage, hand-finished interiors, and price tags that can rival a small home. Yet the insurance conversation around them is often an afterthought, buried under the excitement of ownership. That's a mistake. The average Aston Martin owner
pays roughly $5,570 per year in premiums, and that figure can climb sharply depending on the model, modifications, and how the car is used. A standard auto policy treats your DB11 like a Honda Accord: it depreciates the value, limits parts sourcing, and leaves you exposed during international travel. The right coverage structure for these vehicles looks nothing like a conventional policy. It requires agreed value guarantees, scheduled itemization, worldwide liability, and specialty riders that most mainstream carriers don't even offer. Whether you own a single Vantage or a climate-controlled garage full of heritage models, understanding these coverage layers is the difference between sleeping soundly and facing a six-figure gap after a claim. This guide breaks down each layer so you can build a policy portfolio that actually matches the asset you're protecting.
Understanding the Unique Risks of Aston Martin Ownership
Aston Martins present a risk profile that standard insurance actuarial models handle poorly. The combination of exotic materials, limited production runs, and strong collector demand creates vulnerabilities that generic auto coverage simply wasn't designed for.
Exotic Material Construction and Repair Complexity
A fender bender on a DB12 is not a fender bender on a mass-produced sedan. Aston Martin uses carbon fiber body panels, magnesium structural components, and hand-stitched leather interiors sourced from specific tanneries. Repair shops capable of working on these materials are rare, and parts often have to be ordered directly from the Gaydon factory in England. A bumper replacement that might cost $1,200 on a typical luxury car can run $8,000 to $15,000 on an Aston Martin, with wait times stretching into months.
This matters for insurance because standard policies often cap labor rates, steer you toward non-OEM parts, or send your car to the nearest body shop on their approved list. None of those shops may have the certifications, tooling, or paint-matching capability required.
Market Appreciation and the Luxury Asset Profile
Unlike most vehicles, certain Aston Martin models appreciate. A 2005 V8 Vantage that sold for $110,000 new might trade hands today for $70,000, but a 1964 DB5 has climbed from its original price into the multi-million dollar range. Even modern limited editions from Q by Aston Martin can appreciate the moment they leave the showroom. High-value cars like these are also
prime targets for thieves, making theft coverage limits a critical policy consideration. A policy that only covers depreciated market value misses the entire financial picture.
By: Tod O’Dowd, CIC, CAPI
President of Avery Insurance Agency
The Importance of Agreed Value vs. Stated Value Coverage
This is the single most consequential decision in insuring any exotic car, and it's where most owners get it wrong.
Protecting Investment with No-Depreciation Guarantees
Agreed value coverage means you and your insurer settle on a fixed dollar amount before the policy begins. If the car is totaled or stolen, you receive that full amount: no depreciation, no haggling, no market adjustment. Stated value, by contrast, is just a ceiling. Your insurer can still appraise the car at the time of loss and pay you less than the stated figure. The difference between these two structures on a $250,000 car could easily be $50,000 or more.
Agreed value coverage guarantees the full insured cost in the event of a total loss, which is why serious collectors treat it as non-negotiable. Agencies like Avery Insurance Agency, which has spent over 125 years building custom coverage solutions for high-value assets, typically recommend agreed value as the foundation of any exotic car policy.
How Appraisal Processes Work for Rare Models
Securing agreed value coverage requires a professional appraisal, usually from a certified appraiser who specializes in British marques. The appraisal documents the car's condition, provenance, modification history, and comparable sales. For heritage models, provenance alone can add six figures to the value: a documented racing history or celebrity ownership chain changes everything. Most specialty insurers require reappraisal every two to three years to keep the agreed value current with market movement.
Scheduled Protection for High-Value Collections
Owners with multiple Aston Martins need a different policy architecture than someone insuring a single car.
Itemized Coverage for Limited Editions and Q Branch Customizations
Scheduled coverage lists each vehicle individually on the policy, with its own agreed value, coverage terms, and any special conditions. This is essential for Q by Aston Martin builds, where a single car might include $80,000 in bespoke options: custom paint formulations, unique interior materials, or one-off wheel designs. A scheduled policy captures these details so nothing falls through the cracks during a claim.
| Feature | Standard Auto Policy | Scheduled Exotic Policy |
|---|---|---|
| Valuation Method | Actual cash value (depreciated) | Agreed value per vehicle |
| Parts Sourcing | Aftermarket or generic OEM | Factory OEM guaranteed |
| Repair Shop Choice | Insurer's approved network | Owner's choice of certified shop |
| Custom Modifications | Often excluded or capped | Individually documented and covered |
| International Use | Typically excluded | Available with worldwide riders |
Blanket Limits for Rotating Private Collections
Some collectors rotate vehicles frequently: buying, selling, and trading at auction several times a year. A blanket policy sets an overall collection value rather than itemizing each car, giving flexibility to swap vehicles in and out without rewriting the policy every month. The trade-off is that individual valuations may receive less scrutiny, so blanket policies work best for collections where values are relatively uniform.
Worldwide Coverage and International Transit Protection
An Aston Martin that never leaves a climate-controlled garage is one thing. A car that gets driven across the Alps for a rally or shipped to Pebble Beach for a concours is another entirely.
Global Liability for Overseas Concours and Rallies
Standard U.S. auto policies typically terminate at the border. If you're driving your DB4 GT at the Mille Miglia retrospective in Italy or showing your One-77 at the Concours of Elegance at Hampton Court, you need a policy with worldwide liability coverage. This extends your protection across international borders and satisfies the insurance requirements of foreign jurisdictions. Avery Insurance Agency's consultative approach is particularly valuable here: their team can identify the specific liability gaps that emerge when a vehicle crosses borders, helping owners avoid the nightmare of an uninsured incident abroad.
Marine and Air Freight Insurance for International Transport
Shipping an Aston Martin overseas introduces risks that have nothing to do with driving. Ocean freight exposes vehicles to saltwater corrosion, container shifting, and port handling damage. Air freight is faster but carries its own risks from loading and turbulence. A dedicated marine or air cargo policy covers the vehicle from the moment it leaves your facility until it arrives at the destination, including time spent in customs storage. These policies are separate from your auto coverage and are typically written per-shipment.
Specialized Policy Riders for Enthusiasts
Beyond the core coverage structure, several riders address risks specific to exotic car ownership.
Original Equipment Manufacturer (OEM) Parts Guarantee
This rider ensures that any repair uses genuine Aston Martin parts, not aftermarket substitutes. On a car where the badge on the valve cover is hand-engraved, using generic replacement components doesn't just affect quality: it destroys resale value. An OEM parts guarantee is especially critical for heritage models where aftermarket parts may not even exist, and factory components must be sourced from Aston Martin Works in Newport Pagnell.
Diminished Value Protection After a Loss
Even after a flawless repair, a car with an accident history is worth less than one without. Diminished value protection compensates you for that loss in market value. On a $300,000 DBS Superleggera, a repaired collision history might reduce the car's worth by 10-15%, translating to a $30,000 to $45,000 gap that standard policies ignore entirely. This rider fills that gap.
Selecting the Right Underwriter for Exotic Marques
Not every insurer understands these cars. The right underwriter has experience with exotic and collector vehicles, maintains relationships with certified repair facilities, and offers the specific coverage structures outlined above. A few things to look for: claims adjusters with exotic car experience, no mileage penalties for cars driven to events, and flexible storage requirements. Insurance costs vary significantly by model, with the Vantage potentially costing less to insure than the Rapide, so an underwriter who understands model-specific risk profiles can save you real money.
It's also worth knowing that discounts may be available for Aston Martin Owners Club members, so mention your AMOC membership when shopping policies.
An agency with deep experience in high-value personal assets, like Avery Insurance Agency, can coordinate across multiple specialty underwriters to build a portfolio that covers every angle: from the garage to the rally stage to the auction block.
Frequently Asked Questions
Do I need a separate policy for each Aston Martin I own? Not necessarily. A scheduled policy can cover multiple vehicles under one contract, each with its own agreed value. Blanket policies offer even more flexibility for rotating collections.
Can I drive my Aston Martin daily and still get collector car insurance? Most collector policies impose mileage limits, typically 2,500 to 7,500 miles per year. If you daily-drive your Vantage, you may need a hybrid policy that combines collector valuation with standard usage terms.
What happens if my car appreciates beyond its agreed value? You should request a reappraisal and update your policy. Most specialty insurers recommend doing this every two to three years, or after any significant market shift.
Does my homeowner's policy cover a car stored in my garage? Your homeowner's policy covers the structure, not the vehicle inside it. The car needs its own auto or collector policy, even if it never leaves the garage.
Are track days covered under Aston Martin insurance?
Most standard and collector policies exclude track use. You'll need a separate track day rider or event-specific policy, which is typically purchased per event.
Making the Right Choice for Your Aston Martin
The gap between proper coverage and a standard auto policy can mean hundreds of thousands of dollars in a single claim. Agreed value protection, scheduled itemization, worldwide liability, OEM parts guarantees, and diminished value riders aren't luxuries: they're the baseline for responsibly protecting these vehicles. Take the time to work with an agency that understands the specific risks of exotic British marques, get your appraisals current, and review your policy annually. Your Aston Martin deserves coverage built with the same precision as the car itself.
ABOUT THE AUTHOR:
Tod O’Dowd, CIC, CAPI
I'm the President of Avery Insurance Agency, a family-owned independent agency serving individuals and businesses across New England and in 40+ states. With a hands-on, consultative approach to personal and commercial risk, I help clients — from high-net-worth homeowners and contractors to restaurant owners and property managers — find the right coverage without the guesswork of working with a single-carrier agent.
What Our Clients Say
Trusted by Families and Businesses for Over a Century
Trusted by New Hampshire Families and Businesses for Over a Century
Your Life. Protected.
Complete Personal Insurance for Individuals Who Expect More
One Agency. Every Coverage You Need. No Gaps, No Surprises.
Home Insurance
Your home is your most valuable asset. Avery’s home insurance protects your property, belongings, and liability so you can feel secure no matter what happens.
High-Value Home Insurance
Own a home valued over $2 million? Our Premier Client Services program provides coverage built around high-value properties and the unique risks they carry.
Auto Insurance
Whether you drive a daily commuter, a classic car, or a motorcycle, Avery finds the right auto coverage for your vehicle and your budget.
Boat & Watercraft Insurance
From small boats on New Hampshire’s lakes to luxury yachts, Avery provides watercraft insurance covering your vessel, passengers, and liability on the water.
Umbrella / Personal Liability Insurance
An umbrella policy adds an extra layer of liability protection above your home and auto coverage. One of the most cost-effective ways to protect your financial future.
Valuable Possessions Insurance
Jewelry, art, collectibles, and other high-value items need coverage beyond a standard homeowners policy. Avery insures your most prized possessions at full appraised value.
Protect Your Business & Livelihood
Commercial Insurance Solutions Designed for New England Businesses.
Comprehensive Commercial Coverage That Keeps Your Business Running
General Liability Insurance
Protect your business from third-party claims of bodily injury, property damage, and personal injury. General liability is the foundation of any solid business insurance program.
Commercial Property Insurance
Covers your building, equipment, inventory, and other physical assets against fire, theft, vandalism, and other covered losses. Keep your business protected from the unexpected.
Workers’ Compensation Insurance
Workers’ comp covers medical costs and lost wages when an employee is injured on the job. Avery helps businesses meet state compliance requirements and manage costs effectively.
Cyber Liability Insurance
Data breaches and cyberattacks are a growing risk for businesses of all sizes. Cyber liability covers response costs, legal fees, and customer notification expenses after a security incident.
Employment Practices Liability Insurance
Covers your business against employee claims of wrongful termination, discrimination, harassment, and related issues. Essential for any business with employees.
Commercial Auto Insurance
Whether a single truck or a full fleet, commercial auto insurance protects your business against accidents, damage, and liability on the road.
We Know Your Industry
Tailored Insurance Programs for the Industries That Drive New Hampshire
We Understand the Risks Your Industry Faces — and How to Manage Them
Contractors Insurance
From general contractors to specialty trades, Avery understands the unique liability and property exposures your business faces on every job site in New England. We build coverage programs that keep your crew and company protected.
Restaurants & Hospitality
Restaurants, hotels, and marinas face distinct risks — from slip-and-fall liability to liquor liability and food spoilage. Avery designs coverage programs for the specific needs of the hospitality industry.
Real Estate & Property
Whether you own a portfolio of investment properties or manage a condo association, Avery provides the right mix of property, liability, and management coverage to protect your real estate investments.
We Make It Simple
Getting Covered with Avery Is Easy
Step 01
Connect with an Avery Advisor
Call, email, or request a coverage online and we will respond the same business day.
Step 02
We Build Your Coverage Plan
We shop top-rated carriers, compare your options, and recommend the best fit for your needs.
Step 03
You Get Protected and Stay Protected
We place your coverage, review it annually, and advocate for you if you ever need to file a claim.
Let’s Clear Things Up
Got Questions? We’ve Got Answers.
Straight Answers From the Advisors Who Know This State Best
What does it mean that Avery is an independent insurance agency?
An independent agency like Avery is not tied to any single insurance company. We represent multiple top-rated carriers, which means we can shop the market on your behalf and recommend the coverage that truly fits your needs — not the one that benefits any single insurer.
This independence gives you access to more options and unbiased advice. Our advisors are compensated to serve your interests, not to push a specific product. That is a significant advantage over captive agents who can only offer one carrier’s policies.
How much does it cost to work with an Avery advisor?
There is no direct cost to you for working with an Avery advisor. Independent agents are compensated through commissions paid by the insurance carriers when a policy is placed. You receive expert guidance, market comparisons, and ongoing service at no extra charge.
In fact, many clients find that working with Avery saves them money. Our advisors know how to identify the right coverage levels so you are not paying for protection you do not need, and you are not left exposed where you do.
Does Avery help with claims?
Yes — and this is one of the most important things that sets Avery apart. When you have a claim, our in-house claims advisors go to work for you. We guide you through the process, communicate with the insurance company, and advocate for a fair and timely outcome.
Several of our team members hold professional claims designations, including AIC and AINS. We do not just help you file paperwork — we actively represent your interests to make sure you receive the full benefit your policy provides.
Where in New Hampshire does Avery provide coverage?
Avery serves clients throughout the state of New Hampshire from our offices in Wolfeboro and Portsmouth. Whether you live in the Lakes Region, the Seacoast, the White Mountains, or the Merrimack Valley, an Avery advisor is ready to help you find the right coverage.
Our advisors understand the specific risks that come with living and doing business in New Hampshire — from harsh winter weather to seasonal watercraft exposure. We apply that local knowledge to every coverage recommendation we make.
How does Avery handle high-value homes and assets?
Avery offers a dedicated Premier Client Services program for clients with homes valued over .5 million, significant investment portfolios, fine art collections, jewelry, yachts, and other complex assets. This program pairs you with a specialist who understands the unique risks of high-net-worth households.
Through carriers that specialize in high-value personal lines, we provide guaranteed replacement cost coverage, agreed value policies, and comprehensive risk management strategies. Your advisor will conduct a detailed review of your full asset portfolio to make sure nothing is overlooked or underinsured.
How often should I review my insurance coverage?
Avery recommends a full coverage review at least once a year. Major life events — buying a home, starting a business, adding a vehicle, getting married, or making significant home improvements — are all good triggers for an immediate review outside your annual cycle.
Insurance needs change over time, and policies that were right for you a few years ago may leave gaps today. Avery advisors proactively reach out to clients for annual reviews and keep up with changes in the insurance market that could affect your coverage or premium. Our goal is to make sure you are always protected and never paying for coverage that no longer fits.
Insurance Tips & News
Stay Informed with the Avery Blog
Practical Insurance Advice for New Hampshire Families and Business Owners
Contact Us
Portsmouth (HQ)
7 Islington St #102, Portsmouth, NH 03801
Phone Number: 603.766.3733
Wolfeboro
21 S Main Street, Wolfeboro, NH 03894
Phone Number: 603.569.2515