Ryno specialises in prestige, classic and enthusiast vehicles. This may include selected luxury, performance, classic or collectible cars, as well as some modified vehicles where they fit within our insurer panel’s appetite.

Examples may include classic Ford and Holden models, Porsche, Mercedes-Benz and similar enthusiast-style vehicles. A vehicle is not automatically considered an enthusiast vehicle simply because it has modifications. Everyday imports, standard commuter vehicles and modified 4WDs may fall outside our insurer panel’s focus, which means we may not be able to source suitable cover.

Modifications can affect the premium because they may increase repair costs, replacement-part costs or the need for specialist labour at claim time. Depending on the type and extent of the modifications, the insurer may apply a loading to the base premium.

If your car has been modified, the modifications must be disclosed when requesting cover. This allows the insurer to assess the vehicle accurately and confirm whether the modifications can be accepted and covered.

Yes. The cover available through our insurer panel generally allows you to choose your own repairer. Before repairs begin, your chosen repairer’s quote must be submitted to the insurer and approved by their claims team.

Ryno arranges comprehensive insurance and laid-up cover through insurers who understand enthusiast-style vehicles. These policies are designed for vehicles that may not fit neatly within a standard car insurance policy.

• Agreed value options, supported by insurer assessment and vehicle information such as photos where required
• Acceptance and cover for disclosed modifications, where approved by the insurer
• Salvage rights for eligible vehicles, which may allow customers to retain the salvage after a total loss depending on the vehicle age and policy terms
• Choice of repairer, giving customers the option to use a trusted specialist workshop subject to insurer approval

If you need to make a claim, call Ryno and select the claims option to be connected with our claims team. We will send you the relevant claim form, help lodge the claim with the insurer, and guide you through the process from start to finish.

Our team will follow up with the insurer, repairer and any other relevant parties to help keep the claim moving and make sure the right information is provided.

Ryno generally does not focus on standard commuter vehicles, everyday business-use vehicles or vehicles that fall outside our insurer panel’s enthusiast and specialist appetite. Examples may include vehicles such as a Toyota Camry or Mazda 3, vehicles used primarily for business, or imported vehicles that are not considered enthusiast-style vehicles.

When choosing cover, consider the benefits that matter most at claim time. This may include agreed value, salvage rights, choice of repairer, whether modifications are accepted, and how the vehicle is used.

The choice is yours, but working with Ryno means you have a small, connected team helping you through the process. You can call us during business hours or email your request if that is easier, and our team will respond as soon as possible.

When you contact Ryno, you will speak with a team that communicates regularly and works together to achieve the best possible outcome for clients. We understand enthusiast vehicles and enjoy speaking with people who care about their cars.

Ryno is a small team made up mostly of Australian-based brokers, supported by qualified offshore brokers. Every team member is trained and able to assist with enquiries and policy changes.

The best place to start is by completing our online quote form. We aim to turn quotes around within 24 hours where possible, excluding weekends and public holidays.

Drivers under 25 are generally not eligible for cover through our insurer panel. Some vehicles may also have stricter driver-age requirements, including policies where all drivers must be aged 30 or over, regardless of driving experience.

Yes. Ryno offers a monthly payment option through FlexiFund, allowing eligible customers to pay their premium over 10 instalments.

Please note that interest and administration fees may apply. If you used FlexiFund last year, this payment option may continue automatically at renewal unless you advise us otherwise.