A 1990 Turbo R and a 2026 Batur don't insure the same way
Bentley's catalog runs from hand-finished Crewe-built saloons of the Turbo R and Arnage era to a modern grand tourer platform shared, in part, with Volkswagen Group siblings — and, at the very top, to Mulliner Coachbuilt commissions built in numbers you can count on two hands. A numbers-matching Continental R or Turbo R needs agreed value and a repair network that still understands traditional British coachwork and Crewe-built interiors. A current Continental GT or Flying Spur needs OEM parts availability and coverage that reflects genuinely high replacement costs. A Bacalar or Batur needs bespoke, appraisal-backed valuation — there's no comparable-sales database for a car built in 12 or 18 examples. We write to the car in front of us, not a generic "luxury" rate class.
Bentley, era by era
This page covers the Bentleys most often on our desk. If your car isn't pictured here — a Mulsanne, a Continental Supersports, a model we haven't added yet — that doesn't mean we can't cover it. Ask us.
The Classics
The Crewe-built saloons and grand tourers that carried Bentley from British institution to modern marque
Turbo R
The turbocharged saloon that redefined what a Bentley could be — quick, hand-built, and unmistakably Crewe.
Continental R
A hand-built, two-door grand tourer and the basis for the Azure convertible — among the last Bentleys built the old way, before Volkswagen Group ownership.
Azure
The convertible companion to the Continental R, hand-finished and built in genuinely low numbers.
Arnage
The last of the traditional Bentley saloons before the Continental GT reoriented the brand — offered across R, T, and RL variants.
Current Lineup
In production today
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Continental GT
Updated for 2025 with a new hybrid powertrain producing 771 combined horsepower, replacing the long-running W12. Offered as GT, GT S, GT Speed, and GT Mulliner, in coupe and convertible form.
Flying Spur
Bentley's four-door grand tourer, sharing the current Continental GT's 771-horsepower hybrid platform. Offered in Azure, S, Speed, and Mulliner trims.
Bentayga
Bentley's SUV, including the extended-wheelbase EWB and the Bentayga Speed, the most powerful Bentayga yet. Underwritten differently than the sedan and GT lineup — more below.
Mulliner Coachbuilt One-Offs
Ultra-limited commissions built by Bentley's in-house coachbuilder, in numbers you can count on two hands
Bacalar
A roofless two-seat barchetta, limited to 12 examples worldwide — among the rarest Bentleys ever built.
Batur
18 coupes and 16 convertibles, among the very last W12-powered Bentleys ever produced — a genuine end-of-an-era commission.
Beyond the models shown here, we also place coverage for the Mulsanne, Continental Supersports and Speed variants, the Brooklands, the S-Series and T-Series saloons, earlier Continental generations, and other Mulliner-commissioned or bespoke projects. If it wears the Flying B, we can likely place it.
What published insurance data actually shows
Many of the claims made about exotic and luxury car insurance are guesswork. Where real data exists, we'd rather show it to you. The Highway Loss Data Institute (HLDI) — a nonprofit affiliated with the Insurance Institute for Highway Safety — publishes collision loss data for vehicle series with enough insured exposure to be statistically meaningful. Results are indexed to 100, representing the average result across all passenger vehicles.
| Vehicle | Relative overall losses | Relative claim severity |
|---|---|---|
| All passenger vehicles (baseline) | 100 | 100 |
| Bentley Continental GT, 2dr 4WD (2020–22) | 478 | 649 |
| Bentley Continental GTC convertible, 4WD (2020–22) | 387 | 480 |
| Bentley Flying Spur, 4dr 4WD (2020–22) | 492 | 664 |
| Bentley Bentayga, 4dr 4WD (2020–22) | 369 | 444 |
Source: Highway Loss Data Institute, Insurance Report R-23: Collision Losses, 2020–22 Model Years (April 2023), published by the Insurance Institute for Highway Safety. Every current-production Bentley in this table runs well above the passenger-vehicle baseline of 100 on both overall losses and claim severity — the Flying Spur's severity of 664 means the average collision claim runs roughly 6.6x the typical passenger vehicle. Note that even within this lineup, the Bentayga posts the lowest relative overall loss of the four — consistent with its role as Bentley's highest-volume, most daily-driven model. HLDI's reporting threshold (1,000+ insured vehicle years or 100+ claims) means lower-volume models like the classics and Mulliner Coachbuilt commissions (Bacalar, Batur) don't have enough claims volume to generate published statistics — which is itself useful information: it's exactly why these cars need a carrier that underwrites them individually rather than off a standard actuarial table.
What carriers actually ask before they'll write coverage
Specialty carriers for high-value vehicles don't just price the car — they underwrite the driver. It's common for insurers to want to see prior insurance history on other high-value vehicles, a clean driving record, secure storage, and a realistic account of how the car will actually be used before extending coverage. This is especially true at the Mulliner Coachbuilt end of the range — a 12-example Bacalar or an 18-unit Batur is underwritten far more individually than a production Continental GT. This isn't a formality: it's part of why placing this kind of policy correctly, with a carrier that actually understands the car, matters more than chasing the lowest quote.
Some owners showcase their Bentleys. Others keep them entirely private. Both are covered correctly.
Some owners want their Bentley seen — at concours events, Mulliner client gatherings, dealership showcases, social media. Others prefer the opposite: no public record, no plates or VINs in photos, a car that stays out of sight in private, climate-controlled storage. Both are legitimate ownership styles, and both change what the policy needs to account for. A car that's regularly showcased carries different transit, event, and liability exposure than one kept entirely private. Either way, coverage is built around the real risks these cars actually face — vandalism, wind and hail, theft, and even theft-for-ransom scenarios that specialty carriers are equipped to underwrite around, not just collision damage.
Photo via Wikimedia Commons (CC BY-SA)
Why the Bentayga doesn't get the same policy as the GT lineup
The Bentayga is Bentley's best-selling model and, for many owners, a daily-driven SUV rather than a collector car. That's why it's generally written as a standard high-value auto policy rather than an agreed-value collector policy — the same way a Lamborghini Urus or Aston Martin DBX is typically underwritten, despite carrying an exotic badge. That said, "standard high-value" for a Bentayga is still a meaningfully different policy than what a mainstream SUV needs. The Continental GT and Flying Spur sit in a middle ground — daily-usable grand tourers that nonetheless carry genuinely high replacement and repair costs, as the claims data above shows. The classics (Turbo R, Continental R, Azure, Arnage) and, especially, the Mulliner Coachbuilt commissions like the Bacalar and Batur are squarely in collector-grade or bespoke-agreed-value territory — cars built in numbers too small for any standard rate table to make sense of.
An independent brokerage, not a single carrier
We're not captive to one insurance company, and we're not a dealership finance office. That independence is the point: our only job is finding you the right coverage at the right price, then advocating for you if you ever need to use it.
Access to multiple carriers
We shop coverage across a range of specialty and standard carriers instead of pricing everything through one company's rate table, so you see real options instead of a single take-it-or-leave-it quote.
Bundle for a better rate
Combine your Bentley with your home, everyday autos, umbrella liability, other collector cars, and — where it applies — your business insurance. Carriers price account relationships, and that often means meaningfully better terms across the board.
Four things a standard policy misses
Agreed value, not depreciated value
The payout is set when you bind coverage — not renegotiated by an adjuster after a total loss.
OEM parts & factory-trained labor
Coverage that pays for genuine parts and Bentley-trained technicians, not aftermarket substitutes — and accounts for the reality that claim severities on these cars run far above average, as the data above shows.
Bespoke & Mulliner Coachbuilt valuation
A 12-example Bacalar or 18-unit Batur has no comparable sales data. Coverage needs to be built around a real, documented appraisal — not a database lookup.
Collector-grade vs. daily-use luxury
A numbers-matching classic or Mulliner Coachbuilt car needs appraisal-backed value; a current Continental GT or Flying Spur needs usage flexibility; a Bentayga needs a standard high-value auto policy. The policy should match which one is yours.
Get your Bentley covered correctly
Tell us about your car — model, year, how you use it, and anything else worth knowing — and we'll put together coverage shopped across multiple carriers.