Insurance for imported, modified, high performance or hot hatches can be difficult to find.  A good broker will normally have a range of companies they can quote you with, depending on your needs.

Courtesy car.
If having access to another vehicle whilst yours is off the road being repaired is essential, then your broker can find you a policy with this.

Discounts for Pass Plus and Advanced Drivers.
If you have qualified for these recognised awards, then you can save money on your car insurance.

Flexible payment methods.
Brokers will normally be able to offer you the opportunity to pay your premiums monthly or annually.

Young drivers.
If you are a young driver, it can be difficult for you to get insurance cover. A broker has access to a wide range of insurers that aim to give you a more competitively priced policy.

Imported, high value and unusual specification cars. Brokers have access to specialist policies that make sure your car can gets the specialist cover it needs.

Protected bonus.
Protected no claims will prevent you losing all of your no claims bonus in the event of a claim, although you may lose some. With the high cost of insurance for imported, modified, high performance or hot hatches, this option is worth considering. 

Modified Cars. Whatever the modification, whether it is performance enhancing or cosmetic, you need to disclose it. Modifications include: Alloy Wheels, Bodykits, Spoilers, Exhausts, Induction Kits and Suspension Lowering.

A broker can help find the right product for you. But, don't forget, your broker will also be an expert that is on your side in the event of a claim.

Types of cover

Although different companies' policies vary, there are three standard types of cover:

• Third party only
  - This covers just your legal liability for injuring other people or damaging their property. This is the insurance you must have by law. Very few companies will offer this nowadays.
• Third party fire and theft
  - In addition to the cover above, this provides cover for loss or damage to your car by theft or fire.
• Comprehensive
  - This provides the above cover plus protection against accidental damage to your vehicle.