Compare Modified Car Insurance Quotes

Where to find it?

Some insurers will not even quote for a modified car cover, so if you have made changes to your vehicle, it could be a headache to arrange cover. Shop around online and try to compare a range of quotes.
Whilst some providers view modifications as a higher risk, the alternative view is that owners who invest time and money modifying their cars are actually more likely to look after their vehicles. Contrary to mainstream thought, a modified car could actually represent a lower risk! Also, remember that not all modifications are performance-enhancing.
Specialist insurers will be well equipped to quote on modified cars like GTi, Sri, Turbo model or WRX. They will understand the range of modifications which can be made and the real-world impact that each has on the insurance risk.

What if I did not make the modifications to my car?

If you buy a new car directly from a dealer, any modifications are likely to have been fitted by the manufacturer. Changes in these cases are unlikely to increase your insurance premiums.
If you are thinking of buying a second-hand car, the onus is on you to check that you are aware of any modifications so you can declare them to your insurer.

How to find cheap modified car insurance?

As with standard car insurance policies, there are steps you can take to lower the cost of your premiums.

• Make sure your car is stored securely
• Fit and use up-to-date alarms and security locks where possible
• Keeping your vehicle in a garage or off the road can lower your premium costs
• Consider opting for a higher excess in the event of a claim
• Pay annually for your premiums. This can often cost less than monthly instalments

Specific steps which may lower premium costs for modified cars include:

• Joining an owners’ club
• Telematics insurance: This is where you fit a black box into your vehicle to monitor driving style, and it can drastically reduce insurance costs for safe drivers.

True value cover

Be aware that not all modifications will add value to your car! However much you like the spoiler you paid a lot of money for, your insurer may not take the same view!
Specialist-modified car insurers will be able to agree on a level of coverage which reflects your car’s true value, so there will be no nasty surprises if you need to make a claim for loss or damage.