Compare Modified Car Insurance
Modified Car Insurance.
When modifying your car, you should be aware that there are two different types of car alterations:
performance, meaning any modifications which can enhance the performance of your vehicle, such as turbo chargers and exhaust upgrades.
Cosmetic modifications, meaning changes to standard vehicles which make them more athletically pleasing but have no effect on performance, such as audio systems or fancy paint work.
You cannot just use any car insurance company to find cover for your vehicle as many insurers refuse to offer policies covering modified cars. Drivers of modified vehicles are typically at higher risk of making a claim, which is why you need a specialist company which will hold the relevant knowledge of the technicalities of car modifications and specifications of parts.
Finding cover for modified cars can be difficult and expensive because many insurers will view any changes from standard factory specifications in the same way – whether it’s to improve performance or increase its value. With the exception of security improvements, all other vehicle alterations may be treated as an increased risk of either having an accident, or making your vehicle more desirable to thieves.
It is important to be honest about all modifications made to your vehicle when searching for cover as failure to do so can make your policy invalid. We understand that it can be a struggle to find cheap insurance for modified cars so it’s important to shop around and compare polices to ensure you find the best deal that suit your needs at the best price.