Modified Car Insurance Quotes

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Why QuoteSearcher for Modified Car Insurance?

​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.

Policy Features

Agreed Value Cover

Pays out a pre-agreed amount, more than the ‘market value’, for your modified vehicle

Laid Up Cover

Protection for your vehicle when it is off the road of having further modifications made to it

Breakdown Cover

Costs covered for on-site roadside assistance in the event of a vehicle breakdown

Limited Mileage

This will offer you a reduced premium cost if your modified vehicle is driven infrequently

Windscreen and Glass

Covers the cost of replacement windscreens and windows in the event of a chip or break

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
  • Named driver
    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
  • Driving Behaviour
    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
  • Vehicle Maintenance
    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
  • Driver Experience
    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

Additional Information

​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.

I was very impressed with the speed in which QuoteSearcher’s partners got back to me. After completing the online form I was delighted with the quotes I received and was happy to sort out my insurance quickly.

Matt Dyer – Sunderland, Tyne and Wear

After searching for hours on the internet I finally came across QuoteSearcher whose partners provided me with excellent quotes far better than I had received from anyone else.

Neil Heron - Virginia Water, Surrey

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