Prestige insurance from Heritage is designed for vehicles and homes that require an extended level of cover due to their high value.

Prestige car insurance

Our prestige car insurance is for classic cars that are worth £75,000 or over. Specialist cover for prestige cars takes into consideration the higher value of the vehicle and includes a wide range of additional cover elements designed to make your life easier in the event of a claim.

Prestige home insurance

Protect your home with cover that allows for home contents over £100,000 in value and specific items of value in a bespoke policy.


  • Comprehensive ‘Driving other Cars’ extension for the policyholder and spouse
  • Similar courtesy car for any loss to your vehicle, subject to a maximum benefit of £4,000 for any one loss
  • No deductions for wear and tear (excluding tyres)
  • European Breakdown included as standard, plus home start
  • Uninsured loss recovery included as standard
  • Unlimited glass cover
  • Unlimited lock replacement
  • Unlimited electrical equipment
  • Loss of personal effects from a vehicle up to £1,000
  • Agreed value for all cars
  • New car replacement available if your car is less than 12 months old
  • Repairer of your choice
  • Loss of driving licence cover, up to £150 per week (max 52 weeks) * subject to conditions
  • Cover for inability to drive due to ill health (registered conditions), up to £2,000 for 12 months *
  • No limit on EU travel for number of trips. (but an individual trip limit)


Speak to us about high value home insurance, if you’re home contents are worth over £100,000.
We can bring a multitude of benefits to you with our prestige insurance policy. We speak to a panel of the UK’s leading home insurers. These home insurers have an award winning claims service that comes with a 24 hour UK based helpline.

We will protect you for specific high value possessions, whether it be fine art, jewellery and even gifts. All risks are covered, this includes all items outside the boundaries of your property. Whether it be your annual travel, mobility scooter and golf buggies. Should the unforeseen happen, our property owners liability covers injury by you or your property.

We also offer portfolio policies which combine home, motor, holiday home and other properties and travel all into one prestige insurance package. Simply speak to your personal client manager who will tailor the insurance to your needs. They will remain your one point of contact throughout your time here with Heritage Prestige Insurance.

Our prestige insurance rates are not available online, as our quotations are underwritten on an individual basis. You can call us on 0121 246 8646 and speak to your personal client manager.


  • Your own Personal Client Manager
  • UK’s leading motor insurers
  • Award winning claim service
  • Portfolio policies are available combining home, motor, holiday home and other properties and travel all on one contract
  • Panel of the country’s leading home insurers
  • Interest free direct debit
  • Award winning claims service
  • 24 hour UK based helpline
  • Claims Concierge Service available for properties with over £150,000 contents
  • Alternative accommodation if your home is rendered uninhabitable for up to 3 years
  • 5 star Defaqto rated
  • Worldwide cover automatically included
  • All risks
  • Home Emergency
  • Metered water, oil or gas
  • Single item limit of £15,000, jewellery £5,000
  • Increase in art value after the death of an artist
  • Cover for students possessions
  • Cover for parents and grandparents whilst in a care home
  • Outdoor items included
  • Hole in One – Insurers will pay up to £500 for drinks at the 19th hole
  • Free surveys are available for properties with over £150,000 contents
  • Identity theft
  • Executive Yellowtag
  • Additional properties can be included
  • Annual travel – Winter sports available
  • Mobility scooters and golf buggies
  • Quad bikes, watercraft, non-motorised horseboxes and trailers can be included
  • Family legal protection provided
  • Identity theft
  • Discounted rates for Home sitting Service
  • £10,000 for Wedding, Christmas and other gifts
  • Clerical work from home, with £20,000 for office equipment at the home
  • Property owners liability

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Key Protect insurance
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If your key gets lost or stolen, Key Protect covers the cost of replacement and related expenses.

Personal accident cover
Personal Accident Cover

Cover you and your partner for up to £50,000 for bodily injury or death while driving or as a passenger.

Heritage legal cover
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Get covered for any legal costs involved in claiming any Uninsured Loss Recovery, up to the value of £100,000.

Heritage road rescue cover
Road Rescue

Our road rescue cover will rescue you and your vehicle if you breakdown.