Finding the right insurance for a modified car may feel daunting, especially if you don’t know where to start. After all, your car is part of your personal identity and modifying it means having an even more unique set of needs when it comes to finding the right coverage.
Fortunately, there are some steps that you can take to help make sure that you get the coverage you need for your modified car.
Do I have to tell my insurance if I mod my car?
Yes, this is something that you must tell your insurer. Letting them know about any and all modifications will help ensure they can provide you with the right coverage for your needs and make sure that it fits within their policies.
If you don’t tell them, you may find your coverage is void or, worse, you could be found liable for not disclosing any modifications to your car.
What type of cover do I need?
As with all vehicles on UK roads, you must have at least third party only insurance to be in compliance with the law. You can upgrade this to third party, fire, and theft, but we would recommend comprehensive cover as it will protect you from more risks.
The cover you will require will depend on the kind of modifications that have been made. Generally speaking, it’s a good idea to go for a comprehensive policy if you have made changes to the engine or any other integral parts of your car.
You may also need to consider additional cover for certain modifications, like bodywork, spoilers and alloy wheels. This can help make sure that you are fully covered in the event of an accident.
Do modifications increase insurance?
Modifications can sometimes increase insurance premiums, depending on the nature and value of the modifications. It is a good idea to compare quotes from different insurers and make sure you get cover that suits your needs.
It’s also important to note that some modifications may not be covered at all by your insurer. This could include performance parts, such as superchargers or turbo upgrades, or any modification deemed unsafe for use on public roads.
The bottom line is that it pays to do your research when looking for insurance for a modified car. Make sure you tell your insurer about any changes and shop around for the best deal so you can get the coverage you need without breaking the bank.
What modifications are illegal in the UK?
It is important to know the UK laws on modifications before making any changes. Most modifications are perfectly legal, but there are some that are not allowed in the UK and should be avoided.
These include tinted or coloured headlights and brake lights, non-standard exhausts (which can be too loud for public roads) and body kits which cover more than 30% of the car’s bodywork. Any modifications deemed illegal must be removed from your vehicle if you want it to comply with regulations.
What modifications do not affect car insurance?
Some modifications, such as replacing the stereo system or upgrading the interior, won’t affect your car insurance in any way. However, you should always check with your insurer just to be sure that the changes are not going to affect your premiums in any way.
In conclusion, finding the right car insurance for a modified vehicle can be tricky but it doesn’t have to be difficult. Just make sure you tell your insurer about any changes and shop around for a good deal so you can get the coverage you need without breaking the bank.
Is modified insurance expensive?
Modified insurance can be expensive, depending on the type and value of the modifications. It is a good idea to compare quotes from different insurers to make sure you get the best deal for your needs.
It’s also important to remember that some modifications may not be covered at all by your insurer so it pays to do your research before making any changes. Doing this can help ensure that you get the coverage you need without having to pay an arm and a leg for it.
In short, modified car insurance can be expensive but it doesn’t have to break the bank. Just make sure you tell your insurer about any changes and shop around for the best deal so you can get the coverage you need at a price that fits your budget.
Looking for a competitive quote for your modified car insurance? We can put you in contact with a panel of brokers dedicated to this kind of cover. Start today with one simple form.