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If you have made changes to your car, like performance upgrades or cosmetic changes, you will need modified car insurance. This type of insurance is designed to protect your vehicle's alterations. Regular car insurance may not cover aftermarket parts or special work, so it is important to get the right insurance coverage. This way, you can feel safe and have peace of mind.

What Is Modified Car Insurance?

Modified car insurance is for vehicles that have been changed from their original factory design. If you’ve added a turbo, improved the suspension, or made cosmetic changes, your car is no longer standard. It needs the correct protection, which is where modified car insurance cover comes into play.

These vehicles often attract car enthusiasts. However, they also come with a higher insurance premium. This is because they have a greater risk and repair costs.

Common Modifications That Must Be Declared

Performance Upgrades

  • Turbochargers and engine improvements
  • Suspension changes or low ride setups
  • High-performance exhaust systems and brake kits

Cosmetic Changes

  • Alloy wheels and custom paint jobs
  • Body kits, spoilers, and other cosmetic modifications
  • Upgrades to the dashboard or interior system

Insurance services need to stay updated on all changes to provide the right coverage in the event of a claim.

How Do Modifications Affect Premiums?

Modification Type Potential Impact on Premium
Engine upgrades Increase
Suspension changes Increase
Performance exhaust system Increase
Alloy wheels Increase
Custom paint jobs Increase
Security upgrades May reduce cost

The cost of your premium is connected to how much your modification changes performance, safety, and the risk of theft.

How Do Modifications Affect Premiums

Why Do Modifications Impact Your Insurance?

Modified cars are often:

  • Higher chance of accidents because they are more powerful.
  • Costly repairs because of rare parts.
  • Attractive to thieves.
  • Equipped with aftermarket parts that might not be safe.

These risks make the insurance premium go up. They also need coverage that regular policies do not offer.

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Average Cost of Modified Car Insurance in the UK

Vehicle Type Estimated Annual Premium (£)
Standard Car (No Mods) £447
Modified Vehicle £600 – £1,500

Prices can change based on the type of changes you want, how much you want to change, where you live, how old you are, and your driving history.

What Is the Best Way to Compare Modified Car Insurance?

The best way to compare modified car insurance is to use a special quote tool. This tool can help you see how changes to your car impact your coverage, especially in a total loss claim scenario. Try to find providers that insure performance cars, track vehicles, classic rebuilds, or highly customised cars.

When you compare car insurance for regular cars, it is very important to look around. This way, you can find the best price and the right coverage.

What Is the Best Way to Compare Modified Car Insurance

Factors That Influence Modified Insurance Costs

  • Type of modifications – Changes that improve performance can raise your insurance cost.
  • Vehicle value – Modified cars that have a high value will cost more to insure.
  • Driver profile – Young drivers often pay higher premiums.
  • Postcode – Living in areas with high crime raises the risk of theft.
  • Mileage & usage – Using your car daily increases risk. Driving less can help lower your cost.

Why You Must Declare All Modifications

Failing to share details about car changes can lead to:

  • Cancelling a policy
  • Denial of claims (especially in cases of total loss)
  • Legal problems for driving without proper insurance

Always let your insurer know about every change, even if it’s just a minor one.

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How to Reduce Modified Car Insurance Premiums

  • Make security better – Put in alarms, trackers, and immobilisers.
  • Cut down mileage – Driving less each year might lower your premium.
  • Become part of a car club – Members of enthusiast clubs may benefit from discounts.
  • Raise your voluntary excess.
  • Check car insurance quotes often.

Modified Van and Campervan Insurance

Modified Van Insurance

If you have changed a van for work or fun, make sure to get full insurance with a modified van insurance policy.

Campervan Insurance

Campervans that have kitchens, beds, or electrical upgrades need special insurance. This cover is important to shield against theft, fire, and damage.

Modified Van and Campervan Insurance

Choosing the Right Insurance Provider

When selecting a provider:

  • Look at reviews (Trustpilot is a good place to begin)
  • Compare quotes for modified car insurance
  • Confirm what is covered (don’t think that every modification is insured)
  • Talk to a helpful expert team who know what enthusiasts need

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What to Do If You Need to Make a Claim

  • Tell your insurer right away.
  • Share all documents – photos, police reports, and receipts.
  • Cooperate with your insurer – Do the claim steps quickly.

Related Guides

Understanding Car Insurance Quote Variations Across Comparison Sites

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The 21-Day Car Insurance Renewal Rule: Save on Your Premium

Unlocking Value: Car Insurance Policies Explained

Correct as of 15 March 2025

FAQs About Modified Car Insurance

Not everything will raise your cost. Security modifications, such as alarms or trackers, can lower your premium. However, performance upgrades usually raise the price.

No. Most insurance providers do not cover modified parts unless you tell them about them. You need a special modified car insurance policy.

Your insurance might be cancelled, and a claim could be denied. This can happen even if the modification is not connected to the incident.

Yes, using immobilisers, GPS trackers, and parking your modified car in secure places can lower your modified car insurance quote.

Use an online quote tool. Read customer reviews. Talk to providers who have a lot of experience. Make sure to compare car insurance offers. Check the prices and the coverage options.

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Page last updated on: 01/10/2025

Page reviewed by: Shay Ramani

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