Modified Car Insurance

Modified Car, Modified Insurance?

If you own or are considering buying a modified car in the UK, insuring it is a key step in ensuring that your vehicle is legally protected on the road. Modified cars—those that have been altered in appearance, performance, or features from the manufacturer’s original specifications—typically require specialised insurance. This guide covers the basics of what to consider when insuring a modified car for the first time.

What is a Modified Car?

A modified car is any vehicle that has been altered or enhanced from its original factory condition. Modifications can range from performance upgrades, such as adding turbochargers or custom exhaust systems, to cosmetic changes like body kits, alloy wheels, or tinted windows. Some insurers even consider certain non-standard features, like a tow bar or upgraded stereo system, as modifications.

How Modifications Affect Insurance

Modifications generally increase the risk associated with insuring the vehicle, either by making it more powerful, more attractive to thieves, or more expensive to repair. As a result, insurers often charge higher premiums for modified cars. It’s crucial to declare any modifications to your insurer. Failing to do so could invalidate your policy and leave you without coverage in the event of a claim.

Types of Modifications That Impact Insurance

There are several categories of modifications that may impact your premiums:

• Performance Enhancements: Changes like engine tuning, sports exhausts, or turbochargers can make the car faster or more powerful, increasing the risk of accidents.
• Cosmetic Modifications: Bodywork changes, paint jobs, and alloy wheels are often seen as increasing the car’s appeal to thieves.
• Handling Modifications: Suspension upgrades or sports tyres that affect the car’s handling can also lead to higher premiums.
• Interior and Electrical Modifications: Changes like custom interiors or upgraded sound systems can also impact insurance costs due to increased repair or replacement expenses.

Specialist Modified Car Insurance

It’s often best to seek out insurers that specialise in modified car insurance. These providers understand the nuances of insuring modified vehicles and may offer better terms and pricing compared to standard insurers. Policies for modified cars may also include features like agreed value cover, track day coverage, or coverage for specialist parts.

Reducing Premiums for Modified Cars

Although insuring a modified car can be expensive, there are ways to reduce premiums:

• Limit modifications: Avoid unnecessary performance enhancements.
• Improve security: Install alarms, immobilisers, or tracking devices.
• Limited mileage: If you don’t drive the car often, a lower mileage cap may reduce your premium.
• Shop around: Compare quotes from specialist insurers.

Modify or Not to Modify

Insuring a modified car in the UK requires careful consideration of the type and extent of modifications. Be upfront with your insurer about all changes to ensure you get the right level of coverage. By choosing the right policy and taking steps to reduce risk, you can enjoy your modified vehicle with peace of mind.