Chris Knott Insurance

Westfield Insurance

Tailored insurance for Britain’s most iconic kit cars

When you own a Westfield, you’re driving a piece of British heritage that combines classic styling with modern performance. At Chris Knott Insurance, we understand the unique characteristics of these exceptional kit cars and the tailored cover requirements that come with owning such a distinctive vehicle.

Whether you drive a legendary Seven-inspired roadster, a track-focused racer, or a custom-built creation, our experienced team has the knowledge and tailored insurer relationships to secure protection for your cherished Westfield.

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Westfield Insurance
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What makes insuring a Westfield different from standard cars?

What makes insuring a Westfield different from standard cars?

Westfield Sports Cars has been producing some of Britain’s most exciting lightweight sports cars since 1982. These vehicles represent a unique category in the world; they’re not quite classic cars, not quite modern vehicles. Certainly, not standard production cars that mainstream insurers can easily categorise.

The challenge with Westfield vehicle insurance lies in the bespoke nature of these cars. Many are built from kits, often with significant customisation and modification from the standard specification. This means that no two Westfields are exactly alike, and each requires individual assessment to determine appropriate cover and value.

Standard motor insurers often struggle to understand the true value and replacement cost of a Westfield. The combination of fibreglass bodywork, space-frame chassis construction, and often significantly modified engines creates a unique risk profile that requires a tailored understanding.

Our tailored insurers recognise that Westfield owners are typically knowledgeable enthusiasts who take great care of their vehicles. This understanding allows us to offer suitable premiums that reflect the reality of Westfield ownership rather than applying blanket assumptions about modified or kit cars.

What makes insuring a Westfield different from standard cars?
What Westfield models can we insure?

What Westfield models can we insure?

Our specialist arrangements cover the complete range of Westfield vehicles, from classic Seven-inspired models through to the latest high-performance variants and one-off custom builds.

Current Production Models
  • Westfield Seven - The classic lightweight roadster that embodies the spirit of traditional British sports cars, available in various engine configurations from modest touring setups to high-performance variants.
  • Westfield SEiW (Special Equipment i Wide) - The wider-bodied variant offering enhanced stability and accommodation for larger engines and more substantial performance modifications.
  • Westfield FW Series - The track-focused models are designed for serious performance driving, often featuring aerodynamic enhancements and competition-oriented specifications.
Classic and Heritage Models

For owners of older Westfield models, including early Seven variants, discontinued models, or vehicles that have been significantly modified over the years, we understand that these cars often appreciate and require agreed value coverage that reflects their significance to enthusiasts.

Custom and Modified Builds

Many Westfield owners modify their vehicles extensively, whether for improved performance, enhanced comfort, or personalised styling. Our policies can accommodate these modifications, ensuring that your investment in upgrades and personalisation is properly protected.

What Westfield models can we insure?
What factors influence your Westfield vehicle insurance premium?

What factors influence your Westfield vehicle insurance premium?

Understanding the elements that affect your costs helps you make informed decisions about coverage and risk management. Several factors impact the cost of insuring a Westfield:

  • Engine Specification - More powerful engines typically result in higher premiums, though the relationship isn't always linear
  • Vehicle Value - Higher agreed values require higher premiums, but specialist insurers often offer better value than mainstream providers
  • Modifications - Declared modifications are covered, but may affect premiums depending on their nature and extent
  • Usage Pattern - Limited mileage and recreational use typically result in lower premiums
  • Storage and Security - Secure garage storage and additional security measures can reduce premiums
  • Driver Experience - Experience with sports cars and clean driving records is viewed favourably
  • Club Membership - Membership of recognised owners' clubs often qualifies for additional discounts
Storage and Security

Where and how you store your Westfield significantly impacts your premium. These lightweight sports cars are attractive to thieves, making secure storage essential. Garage storage with additional security measures such as steering wheel locks, immobilisers, or tracking devices can help reduce premiums whilst providing better protection.

Driving Experience and Club Membership

Westfield owners are typically experienced enthusiasts who understand the characteristics of lightweight sports cars. Our insurers recognise this, and membership of recognised owners' clubs or participation in organised events can qualify for additional discounts.

Many insurers also offer preferential rates for drivers who have completed advanced driving courses or have demonstrable experience with similar vehicles.

What factors influence your Westfield vehicle insurance premium?
What coverage options are available for your Westfield?

What coverage options are available for your Westfield?

Our comprehensive policies can be tailored to include a wide range of coverage options designed specifically for specialist sports car ownership.

Core Coverage Elements
  • Comprehensive Physical Damage - Protection against collision, theft, vandalism, weather damage, and other perils. Given the specialist nature of Westfield construction, comprehensive coverage is particularly important to ensure proper repair standards.
  • Third Party Liability - Mandatory coverage that protects you against claims from other parties. For high-performance Westfield variants, higher liability limits may be advisable given the potential performance capabilities.
  • Agreed Value Protection - Essential coverage that ensures you receive the full agreed-upon value in the event of a total loss, avoiding disputes about market values or depreciation.
Optional Enhancements
  • Track Day Coverage - For owners who participate in track days or driving experiences, we can arrange coverage that extends protection to circuit use, subject to specific terms and conditions.
  • Show and Event Coverage - Special coverage for concours events, shows, and rallies, including coverage for awards, trophies, and equipment.
  • Breakdown and Recovery - Specialist breakdown coverage that understands the unique requirements of kit cars and can arrange appropriate recovery to specialists when needed.
What coverage options are available for your Westfield?
What about modifications and upgrades?

What about modifications and upgrades?

Westfield ownership often involves ongoing modification and improvement. Whether you're upgrading the engine, improving the suspension, enhancing the interior, or adding performance modifications, our policies can be adapted to cover these enhancements.

It's essential to declare modifications to ensure they're properly covered. Our team understands common Westfield modifications and can advise on how different upgrades might affect your coverage and premiums.

We recognise that modifications often enhance rather than detract from a Westfield's value, and our policies reflect this understanding rather than penalising owners for improving their vehicles.

What about modifications and upgrades?
Frequently Asked Questions

Your Westfield Insurance Questions Answered

The most common questions we're asked about Westfield insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.

Can you insure a Westfield I've built myself?

Yes. Most Westfields on the road are self-built from the kit, which means insurers want to see the V5C in your name, an IVA pass or registered Q-plate where applicable, and a clear description of the donor running gear. Share the build log and receipts and our UK-based team will place cover with insurers who understand kit cars.

Can I get limited-mileage cover for a Westfield SE or Mega?

Yes, and it is often the cheapest way to insure one. Most Westfield owners cover 2,000 to 4,000 miles a year because the car only comes out for sunny weekends, track days or trips to the pub meet. Be honest about your expected mileage and we'll match you to a policy that reflects the low exposure.

Is track day cover available for my Westfield?

Westfields are made for this, and the iRacer and SDV are popular with trackday regulars. Your road policy won't cover on-circuit driving, so we can arrange a separate track day policy for each event. You keep your no-claims protection on the main policy intact if something goes wrong at Snetterton or Brands Hatch.

Can I insure my Westfield on an agreed value basis?

Once the build is finished and registered, agreed value cover is the sensible route. Market valuations struggle with self-built cars because every Westfield reflects the owner's choices. Send us photos, a receipt tally and any engineering sign-off and we'll arrange cover at a figure that reflects what it would cost to build again.

Are Westfield Sports Car Club discounts available?

Several insurers on our panel recognise membership of the Westfield Sports Car Club as a positive risk factor. Mention your membership number when you quote and our UK-based team will check whether a club rate is available for your car, build spec and postcode.

Can I combine my Westfield with my daily car on one policy?

Yes. A multi-car policy that includes the daily runabout and the Westfield usually works out cheaper than two standalone policies and gives you a single renewal date. Each car keeps its own cover level, so you can run limited mileage on the Westfield and full use on the daily driver.

Transparency You Can Trust

Written and Reviewed
by Our Own Team

Every page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.

IW
Written by
Ian Willis
Chris Knott Insurance
SC
Reviewed by
Simon Clark
Chris Knott Insurance
Chris Knott Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority. FCA Register number 304452.
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