A 1959 Silver Cloud and a 2026 Spectre don't insure the same way
Rolls-Royce's catalog runs from coachbuilt post-war saloons finished by houses like Hooper and Mulliner Park Ward to a fully electric flagship coupe. A numbers-matching classic needs agreed value, spare-parts coverage, and a repair network fluent in vintage British coachwork. A current-production Phantom, Ghost, or Spectre needs OEM parts availability and coverage that reflects genuinely extraordinary replacement and repair costs. We write to the car in front of us, not a generic "luxury" rate class.
Rolls-Royce, era by era
This page covers the Rolls-Royces most often on our desk. If your car isn't pictured here — a Corniche, a Wraith, a model we haven't added yet — that doesn't mean we can't cover it. Ask us.
The Classics
The post-war saloons that defined a century of British coachbuilding
Silver Cloud
A high point of postwar Rolls-Royce design, often finished by coachbuilders like Hooper and James Young.
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Silver Shadow
The most technically advanced motor car in the world at its 1965 launch, and the basis for the later Corniche.
Current Lineup
In production today
Phantom
The flagship of the current lineup, now in its eighth generation — the standard-bearer for the marque.
Ghost
Positioned as the more understated, driver-oriented sedan alongside the Phantom.
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Cullinan
Rolls-Royce's first SUV and highest-volume model — underwritten differently than the sedan lineup. More below.
Spectre
Rolls-Royce's first fully electric production car, and the start of the marque's transition to an EV lineup.
Coachbuild One-Offs
Bespoke commissions built for a single client, reviving Rolls-Royce's coachbuilding heritage
Boat Tail
A three-car Coachbuild commission reported to be among the most expensive new cars ever built. Bespoke coverage is the only kind that fits a car like this.
Beyond the models shown here, we also place coverage for the Corniche, Silver Spirit, Silver Seraph, Wraith, Dawn, earlier Phantom generations, the Sweptail (Rolls-Royce's first modern Coachbuild commission), and other bespoke one-off projects. If it wears the Spirit of Ecstasy, 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 |
| Rolls-Royce Cullinan (2020–22) | 588 | 823 |
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. The Cullinan's relative claim severity of 823 means the average collision claim on this vehicle runs roughly 8x the average passenger-vehicle claim — a real, published data point, not a marketing estimate. HLDI's reporting threshold (1,000+ insured vehicle years or 100+ claims) means lower-volume Rolls-Royce models like the Phantom, Ghost, and Coachbuild commissions 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 or high-performance vehicles, a clean driving record, secure storage, and a realistic account of how the car will actually be used before extending coverage, particularly at the flagship and Coachbuild end of the range. 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 Rolls-Royce. Others keep it entirely private. Both are covered correctly.
Some owners want their Rolls-Royce seen — at concours events, Bespoke Collection client gatherings, dealership showcases. Others prefer the opposite: no public record, no plates or VINs in photos, a car that stays out of sight entirely 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 Cullinan doesn't get the same policy as the sedan lineup
The Cullinan is Rolls-Royce's best-selling model by a wide margin — higher-volume and more likely to be a daily driver than a Phantom or Ghost. 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 Bentley Bentayga or Lamborghini Urus is typically underwritten. That said, "standard high-value" for a Cullinan is still a meaningfully different policy than what a mainstream SUV needs — the claims data above shows exactly why. Meanwhile, the classics, current-generation Phantom and Ghost, and especially Coachbuild commissions like the Boat Tail are squarely in collector-grade or bespoke-agreed-value territory.
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 Rolls-Royce 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 Rolls-Royce-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 & Coachbuild valuation
A one-off commission 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 Coachbuild car needs appraisal-backed value; a current Phantom or Ghost needs usage flexibility; a Cullinan needs a standard high-value auto policy. The policy should match which one is yours.
Get your Rolls-Royce 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.