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Modified Car Insurance

Modified car insurance is cover specifically for a car that has had additions or amendments to its existing model. Working with over 30 leading insurance companies, we can find the best quote for you. Simply call us today on 0333 003 3270.

More and more drivers in the UK are making modifications to their vehicles to improve aesthetics or functionality. The most popular cars for young drivers to modify include the Mazda RX7 and the Nissan Skyline as they attempt to re-create something out of ‘Pimp My Ride’ or ‘The Fast and the Furious.’ More experienced drivers tend to make modifications that are more functional such as getting tracking devices installed or improving the braking in their cars.

As drivers spend extra on making modifications to their car, the price of insurance for modified cars is usually more expensive than a typical policy because it costs more to repair and replace key parts. Other reasons why insurance might be more expensive is because cars with turbocharged engines are more likely to be involved in accidents and those better-looking modified cars might be at a greater risk of theft.

Insurance for Modified Cars – Do I Need It?

Insurance for modified cars is compulsory whether you have a made a big or small modification. It is a legal requirement to have insurance if you are driving a vehicle on the road, as part of Continuous Insurance Enforcement.

If you have added modifications to your vehicle for show purposes, with no intention to drive it on the UK roads, you will not require insurance provided that you have a Statutory Off Road Notification (SORN) in place.

Whether you are getting a new insurance policy or updating an existing one, you must make your insurer aware of any modifications you have in place. This is because failing to mention them means you may not be able to claim for any damages in the event of a road accident and it will invalidate your policy.

Can I Add Modifications To My Existing Policy?

Yes, if you wish to add the modifications, you can do this by speaking to of our advisors today. You must be the main policyholder in order to make the changes and provided that we can confirm the modifications and your details, your policy can be updated immediately. For more information, visit our page on making changes to your policy.

What Modifications Require Specialist Modified Car Insurance Cover?

There are many common modifications that require specialist modified car insurance including:

Alloys – If the alloys that are added to the vehicle are made of metal rather than the standard hubcap or inner-wheel which came with the car, they will require specialist cover.

Satellite Navigation Systems – If you have installed a bespoke navigation system and have had to alter the intricate electrical workings of the car without the manufacturer’s guidance or assistance, a regular insurance policy will not provide cover if it is damaged or stolen.

Body Kits – External modifications to enhance the look of the vehicle including changes to the front and rear bumpers, the side skirts, spoilers, paint job and roof scoops will need specialist cover.

The reason that these modifications require specialist cover is because standard policies only cover vehicles to the manufacturer’s specifications e.g made by VW, Toyota. Every car model and car type in the UK belongs to one of 50 car group ratings and insurance companies base their policies and the rating of the car. But if the car has been modified, it may not belong to their original group and specialist cover is required.

Modified Car Insurance – How To Reduce The Cost

As modified car insurance can be expensive, our team of advisors will always help you find ways to reduce the cost.

By reducing the amount you drive your modified vehicle, you limit the chances of being involved in a collision or accident and insurance companies will reward less mileage with lower insurance premiums. You can limit your driving by only taking your modified vehicle out on weekends or using it on special occasions. You can also get black box insurance to monitor your mileage and the information is reported back to your insurer.

The excess is the amount you are willing to pay before the insurance company step in to take care of the costs. So if you can agree to paying a higher excess in the event of an accident, your insurer will thank you and give you a lower premium. For instance, you can consider increasing your excess from £300 to £500 and you will only pay if you need to make a claim.

Additional driving qualifications such as Pass Plus, which cost around £150, is a great way especially for young drivers to drive down the cost of their insurance premium. Many of the insurers we work with provide substantial discounts for those who have undertaken such qualifications.

It depends on the type of modification that you get. Engine tuning and adding nitrous oxide to your vehicle will naturally cause your insurance to increase dramatically but adding functional things like parking sensors or disability access may in fact lower your car insurance premium as your insurer considers these as positive modifications.

You can also look at joining a modified car club so you can meet like-minded people and find places to get modifications done for less. Examples include The UK Modified Network.

One of the best things you can do to lower the cost of your modified car insurance is to speak with a comparison site like Call Wiser. Working with a number of insurers, we can find several modified car insurance quotes in one place rather you having to visit every site one by one to get a quote. All policies taken out through Call Wiser also include free breakdown cover from the RAC, claim assistance, handbag and wallet cover, mobile phone and gadget cover too.


At Call Wiser, we have access to a number of specialist modified car insurance policies so we can help find the best quote for you. We understand that your car is your pride and joy which is why we are dedicated to helping you find the best level of cover at the best price.

Call us today for a free and no obligation quote on 0333 003 3270. Alternatively, you can request a call back and one of our friendly advisors in Andover, Hampshire will get in touch with you today.

Examples of car modifications include:

  • Alloys
  • Body kits
  • Paint job
  • Engine tuning
  • Tinted windows
  • Air conditioning
  • Parking sensors
  • Disability ramps
  • Satellite navigation systems
  • Entertainment & sound speakers

Modified Classic Car Insurance

If you are a seasoned car enthusiast and take pride in modifying classic cars, we can help you too. We work with insurance companies who specialise in modified classic car insurance. Whether the modifications are small or large, we will help you get the best deal available.

One thing to mention to the insurer is an ‘agreed value policy’ which considers that a classic car that has been modified might be worth more over time. Therefore, you can agree the value with the insurer who will pay out exactly what it is worth in the event of any accidents or damages.

Tell The DVLA About Major Modifications

If you have any major modifications to your vehicle that make it look completely different such as a new paint colour, you must register this information with the DVLA otherwise your MOT and insurance policy may be invalid. It is worth getting a report from the engineer or mechanic who did the changes, as you will need to show proof of this.

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