Considered to be heavier risks than other cars of the normal type. The repair costs are likely to be higher. These cars which are specially designed for usage at high speed are usually driven by young drivers from affluent families. The loss severity will be high because of the high speed ad carefree attitude. Thus, each ase is decided on individual merits and acceptance is subject to an excess, exclusion of personal accident benefits and loading of premium. Some insurers may restrict the driving to named persons only.