Is Chubb Luxury Car Insurance Right for You? Find Out Here

Having a luxury car in the United States is more than just a means of transportation. It’s an investment, a symbol of achievement, and often, a passion. But unlike a regular car, a high-end vehicle needs special care — and that starts with choosing the right insurance.

That’s where Chubb’s luxury vehicle insurance comes in. Not every insurer understands the importance of protecting something that’s worth tens or even hundreds of thousands of dollars.

In this article, you’ll learn everything you need to know about this type of insurance, how it works, what it covers, how to get it, and why it might be the best cost-benefit option for those driving cars like Porsche, Tesla, BMW, Mercedes, among others.

What Is Chubb Luxury Vehicle Insurance?

Chubb’s luxury vehicle insurance is designed for those who own high-value cars and don’t want to risk them with generic coverage. It’s not the same as the standard auto insurance you find at traditional insurers.

The idea here is to provide tailored coverage, premium assistance, and total focus on protecting your investment.

Chubb is a well-known company in the U.S. (and globally) for offering insurance to people with high-value lifestyles. That includes coverage for million-dollar homes, art collections, jewelry, and of course, luxury cars.

They offer exclusive coverage, personalized service, and peace of mind even in the worst situations — like theft, major accidents, or total loss.

So if you have an expensive car in your garage, or you’re thinking about buying one, it’s definitely worth looking into what Chubb has to offer.

How Chubb Luxury Car Insurance Works

Chubb’s insurance works differently than traditional policies. They use something called “agreed value.” This means that when you sign up, you and the insurer agree on the car’s value.

And if the car is totaled, that’s the exact amount you’ll receive. No surprises, no unexpected depreciation.

Plus, if your car needs repairs after an accident, you can take it to the dealership or a specialized shop of your choice.

No generic mechanics or aftermarket parts. Chubb knows that when you buy a luxury car, you want to keep it original and performing like new.

Another important detail: Chubb’s 24/7 roadside assistance is next level. If your car breaks down, they’ll send an appropriate tow truck (even an enclosed one, if needed), provide luxury transportation to your home or office, and handle the issue quickly.

What’s Included in the Coverage

When you get luxury car insurance with Chubb, you’re not just signing up for the basics — you’re getting full protection, thought out in every detail. The coverage goes way beyond what regular insurers usually offer. It’s designed for people who don’t want stress and want to keep their car in top shape, no matter what happens.

Below, you’ll find the main types of protection that are typically included in a Chubb policy — and depending on your profile, you can even add some really interesting extra coverage options.

Theft or robbery of the vehicle
Collision damage (crash with another car, pole, etc.)
Damage from natural causes (flooding, fallen trees, hail)
Liability coverage (if you cause damage to others)
24/7 roadside assistance in the U.S. and, in some cases, abroad
Repairs with original manufacturer parts (OEM)
Luxury rental car or equivalent replacement vehicle

Depending on your profile and the value of your car, you can also add extra coverage like protection for luxury items inside the vehicle (such as watches, laptops, or custom accessories) or coverage during transport (by truck or even overseas shipping, for example).

Additional Coverages and Exclusive Benefits

Owning a luxury car is an achievement — and most people who invest in one like to take care of it with love, almost as if it were part of the family.

That’s where Chubb stands out: they don’t just offer the basics, but a full range of extra coverages that make a real difference in the everyday life of someone who drives a special vehicle.

If you often take your car to events, have custom accessories, or are restoring a classic model, there are protections made specifically for that.

Below are some of the options you can add to your policy to make your coverage even more complete and tailored to your needs.

Event and exhibition coverage: for those who take their car to shows, expos, or collector gatherings.
Protection against vandalism or third-party acts
Coverage for custom accessories: like imported wheels, premium sound systems, exclusive window films, and more.
Restoration coverage: if it’s a classic car being restored, you can insure its partial value and update it as you invest.
Safe transport: if you need to move the car from one state to another, Chubb can cover damages during transit.

These benefits are ideal for those who own a rare luxury vehicle or want to keep it in showroom condition at all times.

Who Can Get Chubb Luxury Car Insurance

A lot of people think this kind of insurance is only for millionaires, but that’s not quite true. Chubb mainly serves those with cars valued at $100,000 and up, but they also offer plans for vehicles worth $50,000 or even less, especially if they’re premium models or have high-end customizations.

You can apply as an individual or a business (such as companies, collectors, or garages). The basic documents you’ll need include:

Vehicle title
Chassis number (VIN)
Proof of residence
Driving history (sometimes required)

They’ll also evaluate the driver’s profile, previous claims history, and where the car is stored (like in a closed garage, for example).

Chubb Insurance Advantages Over Other Providers

Anyone who has looked into luxury car insurance knows: not every insurer is ready to handle high-value vehicles that require special care. Many treat a luxury car like any other model — and that’s where problems begin.

Chubb stands out because they understand that premium cars need a different level of service. They offer custom-made solutions that really make sense for people who want true protection without the hassle when it matters most.

Check out some of the main reasons why so many people choose Chubb over traditional insurance companies:

Agreed Value: no more waiting around for unfair evaluations in case of total loss.
Personalized Service: you talk to a real advisor who understands your car and your needs.
No deductible in many cases: depending on your plan, you may eliminate or significantly reduce the deductible.
Fast claims process: instead of delays, you get fast and direct support.
Repair wherever you want: including specialized shops or the official dealership.

These advantages make Chubb insurance well worth it, even if it costs a bit more than regular providers — especially when you actually need it.

How to Request a Quote from Chubb

After learning everything Chubb insurance offers, it’s normal to ask: “Okay, I’m interested… but how do I get started?” The good news is that the process is way simpler than most people think.

You don’t have to deal with a bunch of agents or fill out dozens of forms. In just a few steps, you can request a personalized quote based on your car and profile. Best of all: it’s all online, and the response is fast.

Here’s a simple step-by-step:

Go to the Chubb USA website: head straight to www.chubb.com.
Click on personal insurance: look for “Automobile Insurance” or “Luxury Vehicle Insurance.”
Request a quote: fill out the basic information about your vehicle and yourself.
Enter your details correctly: like year, model, estimated value, and driving history.
Wait for a consultant to contact you: they usually follow up by email or phone with a customized proposal.

If you already have another policy with Chubb (like home, life, or valuables insurance), be sure to ask about discounts for bundling everything into one policy.

Does Chubb cover financed vehicles?

Yes, it does. Having a financed car doesn’t stop you from getting insurance with Chubb. What really matters is the value of the vehicle, your driving profile, and the terms of the financing.

If everything fits within the company’s requirements, you’re good to go. In fact, many people get this insurance right after buying a luxury car with financing, just to make sure it’s protected from day one.

Do I need to install a tracker on the vehicle?

It depends on your car and where you live. If the vehicle is high-end or from a brand that’s more at risk—like Ferrari, Porsche, or Mercedes—Chubb might require a tracker.

The same goes if you live in an area with a high theft rate. Having a tracker helps prevent theft and improves recovery chances, and in some cases, it might even help lower your insurance premium.

Is Chubb’s insurance coverage valid in other countries?

In most cases, yes. Chubb offers international coverage, especially in countries where they operate. But not all plans include this by default, so it’s important to mention any travel plans or overseas transport during the quote process.

If you regularly take your car abroad, it’s worth making sure your policy includes this protection.

Can I insure a classic or collector car?

Absolutely, and that’s actually one of Chubb’s specialties. They have specific plans for vintage cars, muscle cars, custom builds, and rare collectibles.

You can also get coverage for restoration work, special events, and even transport. If the car is still being restored, you can update the insured value over time as you invest in it. In short, your car doesn’t have to be fully finished to be protected.

How long does it take to settle a claim with Chubb?

On average, about 3 to 5 business days after you send in all the required documents. For simpler claims—like minor repairs or quick replacements—it might be resolved even faster.

Chubb is known for its fast and efficient claims process. That’s one of the main reasons people choose to pay a bit more with them: they know they’ll get proper support when it really matters.

Is It Worth Getting Chubb Insurance for Luxury Cars?

If you own an expensive car and want peace of mind, the answer is yes. Even if the policy costs a bit more than traditional insurers, the value you get in return makes it worth it — especially if something serious happens.

The level of support Chubb provides is much more in line with someone who sees their car as a real asset.

Plus, Chubb gets that a luxury car isn’t just a possession — it’s a lifestyle. And they offer insurance that truly matches that standard.

Taking care of a luxury car is also taking care of your investment. Cheap insurance that doesn’t actually cover what matters can end up costing you more in the long run.

If you want real protection, with no stress, excellent service, and fair coverage, Chubb is one of the best options available in the U.S.

Ready to get your quote? Head over to Chubb’s website and fill out your info. It only takes a few minutes — and could save you thousands in the future.