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Modified Car Insurance

Compare Quotes On Your Modified Car Insurance

  • Quotes from modified car specialists
  • Cover options for declared vehicle modifications
  • Options for performance and cosmetic upgrades
  • Compare specialist quotes with one quick form
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Why QuoteSearcher for Modified Car Insurance?

Many drivers modify their cars to enhance performance or personalise the look and feel of their vehicle. Anything that differs from the factory specification, such as upgraded suspension, custom alloys, performance tuning, or cosmetic changes, for example, may count as a modification, and this could influence how insurers assess risk.

Because modified vehicles are often more complex to insure, many drivers prefer speaking with brokers familiar with how different modifications can affect insurance considerations. By completing our short form, you’ll be connected with specialists who regularly arrange cover for modified cars and can discuss the options available based on your vehicle and its upgrades.

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Modified Car Insurance Policy Features

Depending on the provider’s terms and your vehicle setup, a modified car policy may include:

Agreed Value Cover

Some brokers may outline policies where the vehicle is insured for an agreed amount rather than its market value. Learn more about Agreed Value Cover. Learn more about Agreed Value Cover.

Laid Up Cover

Potential options for cars undergoing repairs, restoration, or additional modifications. Learn more about Laid Up Cover.

Breakdown Cover

Some policies may include roadside assistance, recovery, or onward travel.Find out more about Breakdown Cover.

Limited Mileage

If you only drive your modified car occasionally, certain providers may offer mileage-based policies.Read more about Limited Mileage Cover.

Windscreen and Glass Cover

Options for repairing or replacing windscreens and vehicle glass.Learn more about Glass and Windscreen Cover.

Track Day/Rally Cover

Some brokers may explore specialist cover for approved track or rally events.

Types of Modifications

There are many modifications you could choose to make to your car, each one bringing something new to the vehicle in terms of power or aesthetics. Any changes from the manufacturer standard are considered to be modifications, including the following changes:

  • Turbo/supercharging
  • Transmission or gears
  • Exhaust
  • Wheel arches
  • Lights
  • Windows
  • Spoilers/skirts
  • Roll cages/bars
  • Suspension
  • Dashboard
  • Specialised paintwork/stripes

There are many other modifications that can be made, but this is a small selection of changes that end up costing you more in terms of your premium. You need to tell your insurance broker if there have been any modifications made to your car otherwise your policy may be invalidated.

How Much Does Modified Car Insurance Cost?

Insuring a modified car can be more expensive than insuring a standard vehicle. Modifications may alter how the car performs, how much it is worth, and how appealing it is to thieves – all factors that could affect how providers assess risk.

Some upgrades, such as added security systems or parking sensors, may help reduce your premium with some providers. However, performance-enhancing changes often increase costs.

Your premium will depend on the make and model of your car and the nature of its modifications. Brokers who specialise in modified vehicles can help you explore policy options based on your specific setup.

Factors Affecting Premium Price

Several factors could influence the price of modified car insurance. These may include:

Driver Age

Younger drivers are sometimes associated with higher risk, which could affect premiums, particularly when combined with performance modifications.

Named Driver

Including an experienced named driver, such as a parent or long-term policyholder, may help reduce costs in some circumstances, depending on the provider.

Driving Behaviour

Some providers may offer telematics-based policies, where a black box monitors how safely you drive. Safer driving could sometimes result in lower premiums, depending on insurer criteria.

Vehicle Maintenance & Storage

Keeping your car in a garage, on a driveway, or behind secure access points may help reduce your premium. Additional security, such as alarms or immobilisers, may also be beneficial.

Driver Experience

Certain brokers may recognise advanced driving qualifications such as PassPlus, which could contribute to a lower price with some providers.

Make & Model of the Vehicle

As with all car insurance, your car’s insurance group (1–50) affects the cost of cover. High-performance or rare models usually fall into higher groups.

Frequently Asked Questions About Modified Car Insurance

    • What is modified car insurance?
      If you’re a car collector, or just really love your car, you may make some modifications to your pride and joy. However, any changes you make to the vehicle's factory standard can change your insurance premium. In this case, it is advisable to have modified car insurance, so that you are fully protected against any situation that may occur to your modified vehicle.
    • How does modified car insurance work?
      Modified car insurance works quite similarly to normal car insurance, with a few important differences. Please note that any modifications made to your car must be disclosed to your insurance company, so that they can adjust your premium as necessary. If this is not done, it can nullify any claims you make. However, modified car insurance can cover more than normal car insurance, such as agreed value coverage, track day/rally coverage, and limited mileage coverage. Please contact us for more information.
    • Can I get modified car insurance for young drivers?
      Many modifications are made by young drivers, which can push up premiums. In addition, young drivers, generally between the ages of seventeen and twenty-five, are more likely to get into accidents than more experienced drivers. This can also raise premium costs. While you can get modified car insurance for young drivers, it is best to discuss your options with your broker.
    • How much does modified car insurance cost?
      The cost of modified car insurance, like any car insurance, depends on a few factors when determining cost. The age of the driver, driving behaviour, maintenance (such as whether the car is your primary or secondary vehicle), driver experience, and the make and model of the vehicle all can raise or lower your premiums. For more information on how to lower the cost of your modified car insurance, please speak to your broker.
    • Does normal car insurance cover modified cars?
      Normal car insurance can cover modified cars, however it is important that you share any modifications away from the vehicle's factory standard with your insurance provider. There are some definite advantages to purchasing modified car insurance, as it covers many more eventualities and can be more affordable.
    • Will my modifications to my car affect my premium?
      Modifications can influence how insurers assess risk, as changes may affect performance, value, or theft appeal. Performance-related modifications are often viewed as higher risk by some insurers, while certain security upgrades may be viewed more favourably. Brokers can review your modifications and explain how different insurers may take them into account when assessing premiums.
    • Do I need to declare all modifications to my insurer?
      Yes, all modifications from the manufacturer’s original specification should be declared when arranging insurance. Failing to disclose changes could affect the validity of a policy or how a claim is handled. Brokers can explain how modifications are typically declared and what information insurers require.
    • Can I get cover for track day or rally events?
      Some policies may offer optional cover for track days or rally events, depending on the provider. Availability and conditions vary, so it’s important to discuss planned use with a broker before taking part. Brokers can outline which insurers may include this type of cover and any limitations that apply.
    • Are performance car modifications treated differently from cosmetic modifications?
      Insurers often assess performance modifications differently from cosmetic changes. Modifications that affect engine power, suspension, or braking may be viewed as higher risk, while cosmetic upgrades may have less impact. Brokers can review your modifications and discuss how different insurers may categorise them.
    • Can young drivers be insured on a modified car?
      Some insurers may offer cover for younger drivers with modified cars, although premiums are often higher due to the combination of driver age and vehicle modifications. Availability varies by provider, and brokers can discuss which insurers may be willing to offer quotes.
    • Does storage or security affect modified car premiums?
      Where and how a modified car is stored can influence how insurers assess risk. Secure storage, such as a locked garage or monitored driveway, and security features like alarms or immobilisers may be viewed more favourably by some insurers. Brokers can explain which measures may be taken into account when quotes are assessed.
    • Can I get agreed value or limited mileage cover for modified cars?
      Some providers may offer agreed value cover, where the vehicle’s value is agreed in advance, or limited mileage cover for cars that are driven occasionally. Availability and terms vary, and brokers can explain which options may be available for modified vehicles.
    • Are all car modifications accepted by insurers?
      Not all modifications are accepted by every insurer. Certain performance or safety altering changes may be viewed as higher risk and can affect eligibility. Brokers can discuss which providers may be willing to offer quotes based on your vehicle’s modifications.
    • Will modifications to my car affect my No Claims Bonus?
      Modifications do not automatically affect a No Claims Bonus. However, making a claim related to a modified part of the vehicle could influence how a claim is treated. Brokers can explain how No Claims Bonus is typically handled for modified vehicles, depending on the insurer.