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Bentley Insurance

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Bentley Car Insurance


Types of car insurance for a Bentley

There are three main types of Bentley car insurance. The most basic which protects third parties only, is a legal requirement. Whereas fully comprehensive is the preferred choice for most drivers.

Comprehensive car insurance for a Bentley

This is the highest level of cover available. Comprehensive insurance covers damage to your car and also covers fire, theft and third-party liabilities. Some comprehensive policies include windscreen protection or a courtesy car when yours is out of action. Policies can vary between insurers, so it’s advisable to compare car insurance quotes before you commit.  

Third party Bentley insurance

Third-party only Bentley insurance covers the minimum requirement to legally drive on public roads in the UK. It only covers third-party injuries or damage to their car or property. It does not cover you or your Bentley.  

Third party, theft and fire car insurance

Third-party, theft and fire covers everything that third-party insurance covers but includes theft and fire-related incidents too. It does not cover your car in accidents or any injuries you may sustain. It can be a happy medium between comprehensive cover and basic third-party cover. 

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How can I get cheap Bentley car insurance quotes?

Given the high value of Bentleys, insurance costs can be on the high end. Here are a few tips to help you get cheap Bentley insurance.

Lower your annual mileage

If you agree to a lower annual mileage limit, you’ll likely be charged less for insurance. The less time you spend on the road the lower your risks are.  

Improve your Bentley’s security

Installing security devices to your Bentley may help reduce your premiums. This could be an alarm, immobiliser or even a tracking device. You must make sure that they’re approved by your insurance provider though, or they may not count. 

Avoid making modifications

Modifications that increase your car’s security will likely lower your premiums. On the other hand, performance-enhancing modifications put your Bentley in a higher risk bracket. This will result in higher premiums. 

Add another driver to your insurance policy

The process and impact of adding a driver can vary between insurance providers. Sometimes adding a driver with more driving experience and a good driving history to your policy can reduce your premiums.  

Pay insurance premiums annually

You can save on interest charges if you pay for a full year of insurance upfront. You’re typically charged extra for the option to pay your insurance in monthly instalments. 

Increase your voluntary excess

Opting to pay a higher excess when you make a claim typically means you’ll pay a lower premium. Just make sure the excess is something you can afford. 

Only select the cover you need

Comprehensive coverage protects you financially against many risks. Some policies may even include covers usually only available as add-ons as an additional benefit. This may be what you require and give you peace of mind. However, additional coverage and benefits naturally come at a premium. So if you want to save money try to stick to what you need. 

Shop around and compare Bentley insurance quotes

Insurance policies are not all the same and insurers set their own rates for the various levels of cover. That’s why it’s important to compare multiple quotes side-by-side. Doing so can increase your chances of finding cheaper insurance for your Bentley. 

How much does it cost to insure a Bentley?

Most Bentley models sit in the highest and most expensive category, insurance group 50. This is because they’re prestigious, luxury, high-performance vehicles that cost a lot to repair or replace. Whether considered a vintage or modern classic, Bentleys are some of the most expensive cars to insure.  

Premiums are calculated using a number of factors. This typically includes the age of the driver, their driving history and occupation among other things. Even with an excellent risk profile, Bentley owners will tend to pay a lot to insure their cars because of their high value. 

The fastest way to find out how much your Bently insurance will cost is to get personalised quotes. At Quotezone you can compare over 110 insurers in minutes and make informed insurance decisions.  

Bentley insurance groups

Insurance groups are a way that cars are categorised to help insurers set their premium costs. The insurance group ranges from 1-50. With 1 being the cheapest to insure and those on the upper end being the most expensive to insure. 

Bentley Mulsanne insurance group

Described as one of the world’s finest luxury cars, the Mulsanne secures a spot in the highest insurance group, 50. This indicates its high value, repair costs, and performance capabilities. Mulsanne car insurance is therefore expensive.  

Bentley Bentayga insurance group

The Bentayga is a luxury SUV. It combines comfort with advanced technology to keep passengers safe on their journeys. These cars are highly customisable and offer a lot of power. These features place Bentaygas in insurance group 50. 

Bentley SUV insurance group

There are a number of Bentley SUV models to choose from. Whether you have the Bentayga EWB Mulliner, EWB Azure, or Bentayga S, these SUVs all fall into insurance group 50. Their high value and premium classification make them expensive to insure. 

Bentley Flying Spur insurance group

The Flying Spur is Bentley’s luxury four-door sedan model. Its impressive performance capabilities and fine craftsmanship place it in insurance group 50. 

Bentley Continental insurance group

This grand tourer design is available in both coupé and convertible body styles. It features high-quality finishes and customisable options. Due to its high value, phenomenal performance and innovative technologies, it’s also placed in insurance group 50.

Bentley insurance FAQs

How much is Bentley Mulsanne insurance?

The comfort and performance of the Mulsanne place it in insurance group 50, along with some of the most expensive cars to insure. Even with an excellent driving history, safe location and low mileage, you can expect to pay higher premiums for Bentley Mulsanne insurance. Some insurance providers specialise in premium insurance policies and may offer competitive prices for a Bentley. It’s best to shop around for the best quote. 

Will my Bentley insurance be more expensive if my car is modified?

That depends. If the modifications increase the security of your Bentley, your premiums could be reduced. If they increase the performance, you’ll likely be charged more because the accident risk increases. Modifications typically increase repair costs because you’d need bespoke parts which cost much more than standard parts. 

Should I get classic car insurance for my Bentley?

It could be beneficial for Bentley owners to take out classic car insurance for a Bentley. Not all Bentley models are considered classics, but many could qualify. Insurance for classic cars typically offers agreed value cover, flexible usage options, and specialised repair cover. Since Bentleys are hand-crafted, high-value vehicles with expensive repair costs, classic car insurance could offer competitive rates. 

Are Bentleys expensive to insure?

In short, yes. Any Bentley insurance cost is typically high. Bentley is considered one of the world’s most respected car brands, representing the highest levels of quality and excellence in the automotive world. This places them in the highest insurance category, group 50. This group is for prestigious, high-performance vehicles with high market values. Group 50 cars are the most expensive cars to insure. 

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