There are many reasons to be envious of James Bond. After all, the man is an enigmatic and stylish international spy who’s irresistible to women and apparently doesn’t age. But the biggest reason to be envious of 007: his cool cars. Not only has he driven 5 decades’ worth of the world’s finest performance sedans (with the best modifications ever), he hasn’t had to pay for any of them. Q just hands him the keys, along with a nervous (and always unheeded) warning to try not to damage the vehicle. How great is that?
But there is one person we don’t envy: whoever has to buy car insurance for James Bond. (Probably the oft-frustrated Ms. Moneypenny). Assuming a License to Kill doesn’t also come with a License to Cause Endless Property Damage, our secret agent probably needs some car insurance.
Insuring the Aston Martin DB5
In the new James Bond movie, Skyfall (out today), 007 will be driving the original 1963 Aston Martin DB5. So we decided to see what it would cost to insure this iconic vehicle, which first appeared in Goldfinger and was once dubbed “the most famous car in the world” (and is quite possibly Bond’s favorite).
Based on our advanced, high-tech research (i.e., watching Bond movies), here are the types and amounts of coverage 007 would probably need:
One million dollars! (Say it in the Dr. Evil voice.)
Liability coverage pays for damaged property, medical care, and lost wages for other drivers and passengers. Let’s not mince words here: the DB5 is equipped with a smokescreen, oil slick, and ejector seat, along with machine guns that pop out of the headlights. Damage and injury are pretty much the name of the game for this car.
Generally speaking, you’d be lucky to get liability coverage at all if your stated intention for the vehicle involves gunplay. But exceptions might be made when the driver is responsible for saving the world from a diabolical plot. (And this should go without saying, but we do not endorse putting machine guns on your car … ever.)
$250 deductible/$0 glass deductible
Comprehensive coverage pays for damage done to the vehicle while it’s not in use (like if one of Goldfinger’s henchmen drops a boulder on it). It’s probably best to get a low deductible for this not-at-all unlikely scenario. But at least Bond doesn’t have to worry about coverage for replacing the glass on the DB5 — it’s all bulletproof.
Since driving dangerously is not something Bond can avoid, he should have collision coverage (and another low deductible). That way, he can get the DB5 repaired after his inevitable chase on the treacherous mountain road.
Emergency roadside service
$0 (Don’t bother)
As soon as Bond completes his mission and is busy romancing the latest Bond girl, he’ll be in no hurry to see a rescue helicopter arrive. A tow truck would be just as unwelcome. The only coverage this guy needs includes a witty double-entendre followed by a slow zoom-out. (Yet another reason we’re envious).
Customized parts and equipment
Bond’s Aston Martin is full of customized equipment. But these customizations go well beyond the limits of customized parts and equipment coverage, which generally covers things like stereos, grilles, and decals … not weapons or smokescreens.
Insuring 007’s car
Though Bond doesn’t need each coverage we offer, he’s still a man who leads a life of danger. And we think the final price tag on his insurance will be pretty high.
But, of course, we’re just speculating. If you really want to know what it costs to insure the original Aston Martin DB5 from Goldfinger, you’ll need to ask Harry Yeaggy, who bought it at auction for $4.6 million in 2010 and currently displays it in his private Ohio auto museum.