Car enthusiasts often choose to improve the performance or appearance of their vehicles with modifications. Whether it’s adding a larger engine or changing the alloys, any change from your vehicle’s factory standard is seen as a modification and will therefore affect the price of your premium.
In order to carry on enjoying your vehicle with the highest levels of protection, taking out a dedicated modified vehicle insurance policy is the best approach. Your passion for your car should not leave you out of pocket, and standard car insurance brokers sometimes lack the policy features necessary to be fully protected from any situation that may arise during the ownership of your modified vehicle.
Modified Car Insurance Policy Features
Agreed Value Cover
Pays out a pre-agreed amount, more than the ‘market value’, for your modified vehicle. Find out more about Agreed Value Cover.
Laid Up Cover
Protection for your vehicle when it is off the road of having further modifications made to it. Learn more about Laid Up Cover.
Costs covered for on-site roadside assistance in the event of a vehicle breakdown. Find out more about Breakdown Cover.
This will offer you a reduced premium cost if your modified vehicle is driven infrequently. Read more about Limited Mileage Cover.
Windscreen and Glass
Covers the cost of replacement windscreens and windows in the event of a chip or break. Find out more about Glass and Windscreen Cover.
Track Day/Rally Cover
Protection for occasions when your car is driven on a licensed track or during a rally
Factors Affecting Modified Car Insurance Costs
Specialist modified car insurance policies will be more affordable and offer better coverage than any policy you can get from a standard motor insurer, but there are a number of aspects that will affect the price you pay. These include:
Age of the driver
A large number of modifications are made by younger drivers, who also fall into the bracket for the most accidents. This therefore pushes up the premium – you can get modified car insurance for young drivers, which you should discuss with your broker
If you are looking for modified car insurance for under 21, you may find a cheaper policy if you include an experienced named driver, such as a parent, to your policy
Telematics is an up and coming way of recording how your car is driven with a black box; the safer you drive, the lower your premium is likely to be. Talk to your insurer about how you start using a black box
Modified cars that are kept off the road on a driveway or in a garage will be cheaper to insure. Any increased security, such as alarm systems and immobiliser, will likely encourage a lower premium
Some modified car insurance brokers offer a reduced price if drivers have passed further driver training courses such as PassPlus. The overall safety and experience of a driver will help to bring down costs
Vehicle Make and Model
Don’t forget that as with all motor insurance, the make of car you drive can have a noticeable influence on the price you pay for your policy. Vehicles are allocated into one of 50 rating groups, with 1 being the least expensive and 50 being the most, learn which car yours fits into
It is worth noting that all modifications must be disclosed to your insurer. Any omissions can nullify your policy and any claim you make could be turned down by the broker, leaving you out of pocket. This includes modifications made during the length of your policy – you must not wait until the renewal date to let them know about any changes.
To find the best insurance companies for modified cars, just fill out our form! We work with companies who can offer cover for a range of vehicles, including modified van insurance and modified classic car insurance. Our expert panel of trusted brokers will contact your directly to the most competitive quotes for the most comprehensive policies.
Frequently Asked Questions About 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.
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.
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.
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.
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.
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