The Ultimate Guide to Modified Car Insurance in the UK

If you own a modified vehicle, you know how difficult it can be to obtain the correct insurance. Not all insurance will cover modified vehicles, and those that will, will frequently charge higher premiums. This guide will teach you the basics of car insurance for modified cars in the UK, and how to find the best coverage for your specific needs.

First, let’s try to understand what modified cars are, and why insurance companies may charge more for these vehicles. Also we’ll discuss the different types of insurance for modified car insurance available, and how to compare policies.

What is a Modified Car?

A modified car is one that has been transformed and customized from its original production specs.

These car modifications can be performed to improve the car’s performance, look, or functionality while attractive to the owner’s individual preferences and demands.

Simple cosmetic alterations such as decals, spoilers, or new paintwork can be made, as well as more intricate engine upgrades, suspension changes, and advanced electronic modifications.

Car lovers’ motivations for altering their cars varies. Some people want to improve the overall performance of their vehicle and  more horsepower. They also look for faster acceleration and better handling.

Installing aftermarket exhaust systems, turbochargers, or engine tuning chips are examples of performance enhancements. These fans frequently participate in racing or simply like the excitement of driving a powerful vehicles

Why is it expensive to buy insurance for modified vehicles in the UK?

1. Modified vehicles tend to be more difficult to fix.

This is due to the fact that the changes may not be covered by the manufacturer’s warranty. Also, the parts may be more difficult to find. In the event of an accident, this can result in increased repair expenses.

When it comes to repairs, modified cars present particular challenges. This can result in increased costs and problems for owners.

When a modification modifies the vehicle’s components or systems, the warranty is voided, and the owner is fully responsible for any repairs or replacements relating to the modified parts.

2. Modified vehicles tend to be more powerful and faster than stock vehicles.

This means they have the potential to cause more damage in the event of an accident.

A customized car with a more powerful engine, for example, may be able to achieve a greater speed. This could result in more serious harm in the event of a crash.

The increased power and speed of modified vehicles might result in higher insurance rates due to an array of factors. Insurance companies examine a variety of factors when setting up premiums for modified vehicles.

The increased performance of these vehicles brings additional dangers that contribute to higher insurance costs.

Modified cars are often seen as being more risky by insurers

Insurers often see altered vehicles as more dangerous. This is because they are more likely to be driven by young people, who have a higher risk of being involved in an accident.

Young drivers are known to showing off where there is an event. Some engage in racing and car drifting. All these increase their chance of getting an accident hence the high cost modified car insurance.

Also, modified cars tend to be seen as attractive to thieves, which can increase the chance of an insurance claim.

Types of Modified Car Insurance

There are two main types of car modification insurance:

  • Comprehensive: Comprehensive insurance covers all damages to your car, including damage caused by accidents, theft, and vandalism.
  • Third-party only: Third-party only insurance only covers damage to other vehicles in an accident.

If you have a modified car, you should always get comprehensive insurance. This will protect you in the event of an accident, regardless of who is at fault.

Car modifications entail what?

From changing the paint and adding alloys to roof racks and engine enhancements, there are a plethora of items that can count as changes in the eyes of an insurance.

If you’ve changed the engine, exhaust, suspension, or brakes, notify your insurer right away.

However, it is also wise to advise them about less evident modifications, such as an upgraded entertainment system or security immobilizers.

Performance and cosmetic modifications are the most common types of modifications.

Common performance modification include:

  • Carbon-ceramic discs or drilled discs
  • Turbos or filters for exhaust
  • Suspension has been lowered.
  • Wheels made of alloy
  • Changes or additions to the ECU chip

Aesthetic changes include:

  • Windows that have been tinted
  • Paintwork modifications
  • Subwoofers
  • Customizations to the DVD players in the dashboard
  • Body kit upgrades
  • Reupholstery
  • Accessories for wheels

How to Compare Modified Car Insurance Policies

When comparing modified car insurance policies, there are a few things you should keep in mind:

  • The level of coverage: This is the most important factor to consider. You want to make sure that you have enough coverage to protect your car in the event of an accident.
  • The deductible: It is the amount of money you will have to pay out of pocket in the event of an accident. A higher deductible will lower your premium, but you will have to pay more if you are in an accident.
  • The premium: This is the amount of money you will pay for the insurance policy. The premium will vary depending on the level of coverage, the deductible, and the type of car you have.
  • The terms and conditions: The terms and conditions of the policy are also important to read carefully. Make sure you understand what is covered and what is not covered by the policy.

How much does the policy cost in the UK?

In general, bodywork changes might raise your rate by 10-15% if you have a standard policy.

If you already have a customized insurance policy, however, a body kit is unlikely to effect your rate unless it greatly increases the worth of your vehicle.

The cost of customized vehicle coverage in the United Kingdom might vary based on an array of standards.

According to a study by TimeGist, the average annual cost of modified car insurance in the UK is £1,125. However, this can vary greatly based on the conditions stated above.

This includes the type of modifications you’ve made, your driving history, your age, and the brand and model of your car. However, tailored car insurance is generally more expensive than traditional car insurance.

Is car modification legal in UK?

Some drivers might not know vehicle modification is legal in the UK. Yes, car modification is legal in the UK, but there are some limitations.

The main rule is that any modifications you make must not make your car unsafe or a nuisance to other road users. This means that you cannot make any modifications that:

  • Increase the noise level of your car
  • Reduce the visibility of your car
  • Affect the handling or performance of your car in a way that makes it unsafe
  • Make your car more likely to pollute

How can I reduce the cost of modified car insurance?

Even modified car owners can make extra savings on their insurance premiums. You’ll receive discounts on your policy for:

  • Low or limited mileage
  • Keeping your car safe on a driveway or garage overnight
  • If your vehicle is a 2nd or 3rd car
  • Owners club membership
  • Paying for your policy annually instead of monthly

Tips for finding the best insurer

Firstly, it is important to understand the exact changes performed to your vehicle. Make a full list of all the modifications, including aftermarket items, engine enhancements, and any other changes.

This complete list will help you in providing accurate information to potential insurers, thereby lowering the danger of under- or over-insuring your vehicle.

Secondly, begin to compare insurance rates from multiple companies. Many insurance companies have specialist plans for customized vehicles, so it’s important to shop around and get prices from many insurers.

You can speed up the procedure by using online comparison tools. However. keep in mind that not all insurers may be available on these platforms. Prepare to contact companies personally if necessary.

Finally, try speaking with insurance brokers who specialize in customized car insurance. These experts have experience dealing with unusual cases and can help you in locating the best coverage for your need.

They might have access to insurance products that aren’t publicly publicized, giving you more options to think about.


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