Modified Car Insurance

Modifying your car can be a great way to improve performance and aesthetic appeal over the factory standard version. Your custom vehicle is unique to you and a one of a kind. However, this may make finding affordable insurance more of a challenge.

If you’ve altered your car, we can help you find an insurer willing to quote for modified car insurance.

This can be a frustrating task if you’re doing it yourself. Modified cars can be regarded as a higher risk by many insurance companies, especially if you are young or have an imported vehicle; luckily, 4 Young Drivers has many years’ experience in this field and can help you find the best specialist insurance policy.

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We’ll quickly compare prices from our panel of insurers to find you a quote that meets your needs, even if you are under 25. We’ll save you time trawling the internet and we may just save you money, too!

What counts as a modification?

Each insurer has its own rules, but generally, you should always declare mods such as:

  • Super / turbo charged engines
  • Body kits
  • Aftermarket Exhaust(s)
  • Roll cages
  • Suspension changes
  • ECU remapping
  • Engine swaps
  • LPG conversion
  • Gearbox upgrades
  • Bigger wheels

You should definitely declare any modification that is likely to affect your car’s performance. If you’re not sure whether to mention something or not, it’s best to let your insurer know anyway.

Not only will performance enhancing modifications almost certainly affect your insurance price, but cosmetic mods and changes to accommodate disabled users (such as wheelchair ramps) may as well. Adding functional attachments such as a tow bar or roof rack to your vehicle can also have an affect on your premium costs.

Even dual controls used by driving instructors can also result in increased costs due to only having partial control and a learner driver behind the wheel. Despite the controls and their experience, it’s unfortunately not always possible to prevent an accident with only secondary pedals.

On the plus side, not all mods increase the cost of insurance, some such as tracking devices, immobilisers and parking sensors may decrease your cost.

How to Get Cheaper Modified Car Insurance

It will probably come as no surprise that being the owner of a modified car means you will most likely get insurance quotes that aren’t as cheap as the factory standard version. There are a few opportunities to help reduce costs:

  • Some insurers may recognise that enthusiasts are likely to look after their vehicle and give a discount to members of a modified car club.
  • Consider a black box (telematics) policy. Safe motorists could see a reduction in their premiums.
  • Keep your vehicle safely parked overnight, ideally in a locked garage, to help reduce the chance of theft or vandalisation.
  • Increase your voluntary excess, but be realistic. In the unfortunate event of a need to claim you will have to pay this amount.
  • Limit your stated mileage, especially if it isn’t your “every day” car.
  • Try to pay annually instead of monthly. Although not as convenient, you could get cheaper insurance by paying up front in a single lump sum.
  • If you are a young driver you could reduce the cost of your premium by taking a Pass Plus training course.

Whatever you do, make sure you declare all the modifications your car has otherwise your insurance could be invalid.

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