UK Modified Car Insurance Quotes
Modified Car Insurance
Compare specialist modified car insurance from UK brokers who cover performance and cosmetic modifications. Declare every modification, add agreed value and modification cover, and get placed with a specialist who accepts your changes.
Why Compare Modified Car Insurance?
- ✓ Agreed Value & Modification Cover
- ✓ Save Up to £518* via Specialist Providers
What is modified car insurance?
Modified car insurance is specialist cover for cars altered beyond the manufacturer's original specification, from performance work like remaps and turbos to cosmetic changes like body kits and alloys. The golden rule is to declare every modification: leave one off and the insurer can void the policy and reject a claim for non-disclosure, even if the modification had nothing to do with the accident. It is placed with a specialist broker who accepts your changes, can set an agreed value and cover the modified parts, with comprehensive, third-party fire and theft, or third-party only options.
Modified car insurance suits owners who have been refused or overpriced by a mainstream insurer, and owners of tuned, styled or project cars that do not fit a standard policy. A standard policy is priced for a factory-standard car, so it may refuse a modified car or void cover if the changes were not declared.
Cover usually combines the car, agreed value and the modified parts on one policy. A standard car insurance policy is priced for a factory car and pays market value, so it may not fit a modified car. The car is insured at its agreed value, and cover can extend to modification cover for parts and labour, spare parts and salvage retention.
Specialist brokers price a modified car against the type and extent of its modifications, the added value, annual mileage, storage and security, and the driver's age and history. Modified, tuned, show and project cars are covered by specialist brokers rather than a standard car insurer.
Related car cover
How modified car insurance works
Tell us about your car
The make, model and agreed value, your annual mileage, where the car is kept and secured, the drivers and every modification or past claim. The more accurately you declare these details, especially the modifications, the tighter the quotes brokers can send back.
Compare modified car quotes
Your details go to specialist insurers who price the agreed value, your modifications, cover level and optional extras against your car.
Choose your cover and stay protected
Pick the policy that fits your car, with agreed value, your chosen cover level and any extras on one renewal date.
What modified car cover includes
Modified car insurance works on the same cover levels as any UK policy, with specialist extras built around the work you have done and the value you have put into the car.
Declare every modification before you drive
Tell your broker about every change, factory-fit or aftermarket, before you take the car on the road, and again the moment you change anything mid-policy. That covers engine and performance work, wheels and suspension, bodywork and styling, audio, and interior changes.
An undeclared modification is treated as non-disclosure. It can void your cover and let the insurer reject a claim, even where the modification had nothing to do with the accident. If you are unsure whether something counts, declare it and ask.
Choose your cover level
Third Party Only
Covers injury to other people and damage to their property or vehicles. It does not pay for damage to your own car or for fire and theft. This is the least cover the law allows.
Third Party, Fire and Theft
Everything in Third Party Only, plus cover if your car is stolen or damaged by fire. It still does not pay for accidental damage to your own car.
Comprehensive
Everything above, plus damage to your own car after an accident, whoever was at fault. On a modified car this is where declared parts and an agreed valuation matter most.
Specialist options a modified policy can add
Agreed value
You and the insurer agree the car's value up front, reflecting the money spent, so a total loss is settled at that figure rather than a standard book price.
Modification cover
Cover for the modified parts you have declared, including both the parts and the labour to fit them, so the work is reflected in a claim and not just the base car.
Salvage retention
Lets you keep the car after a total loss settlement, so you can strip declared parts or rebuild it rather than handing the salvage to the insurer.
Track-day cover
An option that can extend cover to booked track days and driving events, which a standard road policy usually excludes. Check the terms for each event.
Breakdown
Roadside assistance and recovery added to the policy, so help getting the car home or to a garage is arranged alongside your cover.
What a good specialist modified policy typically includes
- Cover for the modifications you have declared, both parts and labour.
- An agreed valuation that reflects the money you have spent on the car.
- Access to specialist repairers who understand modified vehicles.
MyMoneyComparison introduces you to FCA-authorised specialist brokers who arrange and underwrite cover. We do not advise on or sell policies. Cover levels, options and terms vary by broker, so always check the policy documents.
What modified car insurance does not cover
A modified car policy is built around the declared car, its modifications, agreed value, storage and use. Once the car moves beyond any of those declared details, the policy can stop paying out. Knowing where the policy ends matters as much as knowing what it includes, because undeclared modifications and undisclosed drivers are the biggest reasons modified car claims are reduced or declined.
Wear, tear and mechanical breakdown
Loss caused by ageing, general wear, corrosion and mechanical or electrical breakdown falls outside the cover. You are expected to keep the car maintained. Insurance covers sudden and unforeseen events, not the slow results of use or a breakdown.
Exceeding the mileage limit
If your policy is set on an agreed annual mileage, driving well beyond that figure can see a claim reduced or declined. Tell your broker before you go over so the policy can be adjusted.
Illegal modifications
Modifications that are not road legal, such as unlawful window tints, defeat devices or changes that breach construction and use rules, are not covered. Keep every modification within the law, or it cannot be insured.
Undeclared modifications
Any modification you have not declared and had agreed is not covered, and one missing change can affect the whole policy. Every performance, cosmetic, wheel, audio and security change must be disclosed. Declare each modification before you take out cover, or a claim can be rejected for non-disclosure.
Undisclosed drivers
Only drivers named on the policy are covered. Letting an unnamed driver use the car, or getting a driver's age, history or details wrong, can void the policy or see a claim reduced. Name every driver and answer each question honestly.
Competition, track and business use
Using the car for hire or reward, paid work, competition or track days beyond any agreed limit is not covered. Track-day cover can usually be added, but must be arranged first. Keep the car to the private use declared on the policy.
How much is excluded differs from one insurer to the next and from one car to another. Always check the policy wording carefully on mileage limits, agreed use, modifications and named drivers before buying. For a closer look at how the cover is priced, see our modified car insurance guide.
Modifications we can cover
Specialist brokers group modifications into three families, and each one needs to be declared. Whether a change is under the bonnet or purely for looks, list it so the cover matches the car you actually drive.
Performance
Power and handling- ECU and engine remaps
- Turbochargers and superchargers
- Exhaust systems
- Induction and air intake kits
- Suspension, coilovers and lowering
- Brake upgrades
- Transmission and gearbox changes
Performance mods usually affect the price more than cosmetic ones, because they raise power and risk.
Cosmetic
Look and finish- Body kits
- Spoilers and splitters
- Alloy wheels
- Respray or vinyl wraps
- Tinted windows
- Custom lighting
- Decals and graphics
Cosmetic changes tend to move the price less, but they still need declaring in full.
Other
Kit and adaptations- In-car audio and entertainment (ICE)
- Wheel and tyre changes
- Roll cages
- Harnesses
- Bucket seats
- Disabled-driver adaptations
This family mixes safety kit and everyday changes, and each one still counts as a modification.
MyMoneyComparison introduces users to FCA-authorised specialist brokers. We do not advise on or sell insurance.
What affects the cost of modified car insurance
Insurers look at your car, your modifications and how you drive before they price a policy. Here are the main things that move a modified quote, with a rough guide to how much weight each one tends to carry.
Type and extent of the modifications
Performance work that adds power carries more risk and usually pushes the price up more than cosmetic changes. The more you modify, the more an insurer weighs it.
Higher influence
Added value of the car and its parts
Modifications and upgraded parts raise what the car is worth. A higher agreed value costs more to cover.
Medium influence
Driver age and history
Young or newly-qualified drivers with modified cars pay a lot more. Past claims and motoring convictions add to the price too.
Higher influence
Security
Modified cars attract thieves, so an insurer wants to see it protected. Trackers, immobilisers, alarms and garaging can all help.
Medium influence
Where the car is kept and the postcode
A car left on the street overnight is treated differently from one in a locked garage, and the area you live in plays its part.
Medium influence
Annual mileage and how the car is used
A show car covering low miles is a different risk from a daily driver. Track days are not covered by a road policy and need separate cover.
Lower influence
How to keep it sensible
Declare every modification
List all the changes, standard or not. Leaving something off can cancel a claim, so an honest list keeps your cover valid.
Choose sensible security
A tracker, immobiliser or alarm and off-road parking tell an insurer the car is looked after, which helps keep the quote realistic.
Compare specialist brokers
Modified cover is a specialist market, so quotes vary. Comparing brokers who understand modified cars helps you find the right fit.
Declaring everything and choosing sensible security is what keeps a modified quote realistic. MyMoneyComparison introduces users to FCA-authorised specialist brokers and does not advise on or sell insurance.
How much does modified car insurance cost in the UK?
Modified car premiums vary because the type and extent of the modifications, the agreed value, security, where the car is kept and the driver's age and history each pull the price in different directions. The figures below are indicative annual ranges only, showing where cover tends to sit for the most common modified car profiles.
There is no fixed price for modified car insurance, and standard panels often refuse a modified car or rate it badly. What you pay depends most on the type and extent of the modifications, since performance mods usually affect the price more than cosmetic ones, plus the added value, the driver's age and history, security and annual mileage. Comprehensive, third-party fire and theft and third-party cover are all available once the car is placed with a specialist broker who accepts the modifications.
Mainly cosmetic mods
indicative annual range, cosmetic mods
Cover for a car with mainly cosmetic changes, such as alloys, a body kit, tints or a wrap, all declared and priced by a specialist. Cosmetic mods usually move the premium less than performance work.
Price moves with- The agreed value
- Cosmetic modifications
- Storage and security
Performance and cosmetic mods
indicative annual range, typical mods
The band most modified cars sit in: a mix of performance and cosmetic changes on an agreed value, placed with a specialist broker. More power, a higher agreed value or added track use move a car into this range.
Price moves with- Agreed value and cover level
- Type and extent of mods
- Driver age and history
High-power, high-value or multi-car
indicative annual range per policy
High-power builds, heavily modified or high-value cars and multi-car collections. A high agreed value, extensive modifications or several cars push premiums up, and cover is placed individually with a specialist underwriter.
Price moves with- Agreed value and power
- Modifications and mileage
- Number of cars and storage
Ranges shown are indicative annual figures for agreed value cover on a modified car, arranged with a specialist. Insurance Premium Tax is included. Premiums sit at the top end for high-power builds, high agreed values, heavily modified cars and multi-car collections. Every modified car is priced against its own modifications and use rather than a standard table.
Important: The figures on this page are indicative annual ranges only and do not constitute a quotation or offer of insurance. Modified car insurance is quoted individually by a specialist against the modifications and use. Actual premiums vary significantly by the type and extent of modifications, the agreed value, annual mileage, storage and security, driver age and history and insurer. Always compare specialist quotes before purchasing. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority, FCA registration number 916241.
Modified car premiums are individually quoted by a specialist broker. Get Modified Car Quotes to see what your car, its agreed value and mileage price at across our specialist panel.
Getting modified car cover in four steps
MyMoneyComparison introduces you to FCA-authorised specialist brokers who work with modified cars every day. Here is how you go from your first quote to driving away covered.
Four simple stepsTell us about your car and every modification
List each change, factory or aftermarket, whether it is performance, cosmetic or something else. Full disclosure is what keeps the cover valid, so leave nothing off the list.
Compare specialist quotes
We introduce you to FCA-authorised specialist brokers who understand modified cars, so you see cover built around the mods, not a standard policy that might refuse them.
Choose your cover and options
Pick your level, third party only, third party fire and theft or comprehensive, then add agreed value, modification cover, salvage retention or track-day cover if you want them.
Buy and drive
Keep your modification list up to date and tell your broker before you fit anything new, so the cover stays right as the car changes.
Agreed value and modification cover explained
Modified car cover rests on two ideas: an agreed value that fixes what the car and its modifications are worth, and declaring every change so the policy stands. Open any section below to see how agreed value, modification cover, mileage and disclosure work across the eight points owners ask about most often.
What agreed value means
Agreed value means you and the insurer settle the car's worth up front, so a total-loss claim pays that figure rather than a disputed market value. It is a defining feature of specialist modified car cover and the reason owners choose a specialist broker.
Because the value is fixed in the policy, there is no haggling after a write-off and no depreciation applied to a modified car. See our agreed value cover guide for how it works.
Agreed value vs market value
A standard motor policy pays market value, the trade price of the car on the day of a claim after depreciation. On a modified car with thousands of pounds of parts and labour fitted, that figure can fall well short of what the car is really worth.
Agreed value settles the figure in advance, backed by photos and, on higher-value cars, a valuation, so the payout reflects the car rather than a used-car price list.
Setting the agreed value
You set the agreed value with the insurer using photographs of the car and, for higher-value or rare models, a professional valuation or specialist assessment. The insurer then records the figure on the policy.
Keep the value under review as you add modifications or the market moves, so the agreed figure still matches the car at renewal. Under-insuring a modified car can leave a shortfall on a claim.
How mileage affects your premium
Many specialist policies set an agreed annual mileage, and a lower, realistic limit can help keep the premium down. Modified cars are often weekend or show cars driven for pleasure, so a sensible limit reflects real use.
You estimate the annual mileage at quote and keep within it over the year. See our limited mileage car insurance guide for how the limits are set.
Declaring every modification
List every modification when you apply, from the remap, exhaust and induction kit to the alloys, body kit, audio and tints. Group them by performance, cosmetic and other changes so nothing is missed.
If you fit anything new during the year, tell the broker straight away rather than leaving it undeclared, because an undisclosed modification can void the policy and see a claim rejected.
Cover for a project build off the road
Laid-up cover insures a project that is off the road and declared SORN, protecting it against fire, theft and damage while it sits in the garage or is being built, without the road-risk cover you do not need.
It suits winter storage, long builds or a car between projects. You can switch back to full road cover when the car returns to the road.
Multi-car and project cover
Some specialists reward secure storage, trackers and immobilisers on a modified car, since mods can attract theft. Good security recorded on the policy can help the premium.
If you own several modified or project cars, a multi-car policy can cover the whole collection on one agreed value schedule, usually cheaper than separate policies.
Staying within your agreed use
Cover relies on the car being used as agreed: within any mileage limit, kept securely and not used for competition or track days unless that use has been added. Straying outside that use can affect a claim.
Tell the broker before anything changes, such as a new modification, extra mileage or a house move, so the agreed value and terms stay correct. Full disclosure at quote stage is essential, since the Insurance Act 2015 makes undisclosed material facts grounds for avoidance.
Every modified car is insured on its own agreed value and declared modifications. Get Modified Car Quotes to see how your car and its use are rated across the MyMoneyComparison.com panel.
Who needs modified car insurance?
You need modified car insurance if your car has been changed beyond its factory specification and you want every modification declared and covered, rather than risking a standard motor policy that could be voided. Cover is arranged with a specialist broker and protects the car and its modified parts.
Performance and tuned car owners
Owners of cars with remaps, turbo or supercharger upgrades, exhaust and induction work, or suspension and brake changes. A specialist accepts the extra power and the declared parts, which a standard motor policy often will not.
Cosmetic and styled car owners
Owners of cars with body kits, spoilers, a respray or wrap, tinted windows, custom lighting or aftermarket alloys. Specialist cover records each cosmetic change and prices it properly.
Kit, replica and project cars
Owners of kit cars, replicas and ongoing project builds that standard insurers struggle to rate. A specialist prices the build properly and can insure it on an agreed value.
Show and track car owners
Owners of show cars and cars used on track days. A specialist can add track-day cover and set an agreed value that reflects the money spent on the build.
Owners with audio, wheel and safety mods
Owners who have fitted in-car audio and entertainment, changed wheels and tyres, or added safety mods like roll cages and harnesses. Every one of these must be declared, and a specialist can cover them.
Owners who want agreed value
Owners who want the car insured for an agreed figure rather than a disputed market value. Agreed value pays what the modified car is really worth on a total loss, not a depreciated trade price.
Whatever you have modified, cover should reflect its agreed value and every declared change. Get Modified Car Quotes to match a specialist policy to your car, its value and mileage.
Modified car insurance vs standard car insurance
The two look similar but suit very different cars. Standard car insurance is priced online for an unmodified, factory-specification car and pays out at market value, the depreciated figure the insurer sets after a total loss. A specialist modified car policy is placed with an insurer who accepts the modifications, records every change on the policy and can offer an agreed value that reflects the work. If modifications go undeclared on a standard policy, the cover can be voided and a claim rejected for non-disclosure.
| Comparison | Modified car insurance Specialist cover | Standard car insurance Mainstream online |
|---|---|---|
| Type of car | Cars altered beyond the manufacturer's original specification, with every performance and cosmetic modification declared and accepted | An unmodified, factory-specification car rated on postcode, age and annual mileage, with no allowance for changes from standard |
| Declaring modifications | Every modification is declared and recorded on the policy, so the cover is built around the car as it actually is | Modifications are often not asked about in detail, so anything undeclared can leave the cover exposed if you later claim |
| Valuation basis | Agreed value can be offered, so the sum you and the insurer agree reflects the modifications rather than a plain market value | Market value only, which ignores money spent on modifications and can fall well short after a total loss |
| Cover levels | Comprehensive, third-party fire and theft or third-party only, arranged around a modified car and its higher risk | Comprehensive, TPFT or TPO, but priced for a standard car and not built for modifications |
| Modified parts and labour | Modification cover can protect the modified parts and the labour to fit them, from remaps and turbos to body kits and alloys | No specific cover for modified parts, so upgrades may not be paid for or a claim may be reduced |
| Pricing basis | Priced by a specialist for the type and extent of the modifications, the added value, driver age, security and where the car is kept | Auto-rated online for an ordinary car, so a modified car is often loaded or declined outright |
| If you use the wrong product | Cover responds correctly, declared modifications are accepted and the policy matches the car | Undeclared modifications can void the policy and a claim can be rejected for non-disclosure, even if the modification did not cause the accident |
Important: Cover detail shown is indicative of how UK modified car and standard car policies are typically structured. It is illustrative only and does not constitute a quotation or offer of insurance. Specific policy wording, agreed values, modification cover and exclusions vary by insurer and individual circumstances. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority, FCA registration number 916241.
A standard policy may void cover if modifications are undeclared and pays only market value. Make sure your cover is a specialist modified car policy that accepts every declared modification, not standard car insurance priced for an unmodified car.
Specialist Modified Car Insurance
Specialist modified car insurance comparison since 2013
Since 2013, MyMoneyComparison.com has helped UK owners of modified cars find specialist cover that accepts their changes. Whether you drive a remapped hot hatch, a turbocharged project, a styled show car or a car on aftermarket alloys and suspension, and want a policy that covers the modified parts, our specialist broker panel places these cars every day. Compare modified car insurance from a panel that understands agreed value, modification cover, declaring every change and the full range of UK modified car risks.
Compare modified car insurance quotes with some of the UK's top specialist providers, including:
Specialist Commercial Motor & Fleet Insurance Brokers
Fleet Insurance Brokers
Gauntlet fleet insurance
Specialist Commercial Motor & Fleet Insurance Brokers
Specialist Commercial Motor & Fleet Insurance Brokers
Everything You Need to Know
Detailed answers to help you understand more about modified car insurance.
What is modified car insurance?
Modified car insurance is specialist cover for cars that have been altered beyond the manufacturer’s original specification, whether that is performance work, cosmetic changes or both. It is placed with insurers who accept modifications and record them on the policy, rather than a standard online panel that may load or decline a modified car. Every modification must be declared so the cover reflects the car as it actually is.
What counts as a modification?
A modification is any change from the car’s factory specification. That covers performance work such as ECU remaps, turbochargers, exhausts, induction kits, suspension and brake upgrades, and cosmetic changes such as body kits, spoilers, alloy wheels, resprays, wraps and tinted windows. Audio and entertainment systems, wheel and tyre changes, roll cages and disabled-driver adaptations count too, so declare anything that is not standard.
Why won't a standard car policy suit a modified car?
A standard policy is priced for an unmodified, factory-specification car, and many online panels either load the price for modifications or decline the car outright. If modifications are not declared, the policy can be voided and a claim rejected for non-disclosure. A specialist modified policy accepts the changes, records them and prices the car for what it actually is.
What does modified car insurance cover?
It covers the car against fire, theft and accidental damage at your chosen level, with the modifications declared and recorded on the policy. Specialist options can include agreed value, modification cover for the modified parts and labour, salvage retention, track-day cover and breakdown. The cover is arranged around a modified car rather than a standard one.
What cover levels are available?
You can choose comprehensive, third-party fire and theft, or third-party only. Comprehensive is the widest, covering damage to your own car as well as to others, while third-party only is the legal minimum. Car insurance is a legal requirement in the UK, so at least third-party cover must be in place for any car used on the road.
What is agreed value on a modified car?
Agreed value means you and the insurer agree the car’s worth up front, including the money spent on modifications, so a total-loss claim pays that figure rather than a disputed market value. It matters for modified cars because a plain market value ignores the work done and can fall well short. The value is usually backed by photos, receipts and, for higher-value cars, a professional valuation.
Do I have to declare every modification?
Yes. Every modification must be declared, whether it affects performance or is purely cosmetic, and whether you made the change or a previous owner did. Declaring lets the insurer record each change and price the car correctly. Leaving a modification off the policy is the most common reason a modified-car claim runs into trouble.
What happens if I don't declare a modification?
Undeclared modifications can invalidate the policy, and a claim can be rejected for non-disclosure even if the modification had nothing to do with the accident. The insurer may treat the cover as though it never applied and refuse to pay. Declaring everything up front is the only way to keep the cover valid.
What affects the price of modified car insurance?
The main factors are the type and extent of the modifications, the added value of the car and its appeal to thieves. Your age and driving history feed in, along with security, where the car is kept and your annual mileage. Performance modifications usually affect the price more than cosmetic ones.
Do modifications always increase the price?
Not always, but they can. Performance modifications such as remaps, turbochargers and suspension changes usually affect the price more because they add power and value, while cosmetic changes tend to have less effect. Good security, secure garaging and a claim-free record can all help offset the cost, and a specialist is more likely to price a modified car fairly than a standard panel.
Performance vs cosmetic modifications: what is the difference?
Performance modifications change how the car drives or how much power it makes, such as ECU remaps, turbochargers and superchargers, exhaust systems, induction kits and brake or suspension upgrades. Cosmetic modifications change how the car looks, such as body kits, spoilers, alloy wheels, resprays, wraps, tinted windows and custom lighting. Insurers usually view performance changes as higher risk, but both types must be declared.
Does the policy cover the modified parts and labour?
It can, if you add modification cover. This protects the modified parts themselves and the labour to fit them, from remaps and turbos to body kits and alloy wheels, rather than treating the car as standard. The parts need to be declared and, where relevant, reflected in the agreed value so a claim pays out properly.
Can you insure a project or show car?
Yes. Modified, tuned, show and project cars can all be placed with a specialist, including cars that are still being built or only used for shows. Agreed value and modification cover help protect the money and work that has gone into the build. Full details of the modifications and how the car is used and stored help the insurer set the right cover.
Modified car insurance vs standard car insurance
Standard car insurance is priced for an unmodified car and may load the price or void cover if modifications are undeclared. A specialist modified policy accepts every declared modification, can offer an agreed value that reflects the work and can cover the modified parts. That usually means cover that responds properly on a car that has been changed from standard.
Can young drivers insure a modified car?
Yes, but young drivers with modified cars usually pay a lot more, because both youth and modifications add risk. A specialist broker can still place the cover where a standard panel might decline it. Choosing sensible modifications, adding approved security and keeping the car garaged can all help keep the price down.
Is track-day cover available?
Standard modified policies usually exclude competition and track use, but track-day cover can often be added when you need it. If you take the car on track days, tell the insurer so the right cover is arranged, because damage on track is not covered by default. Cover for organised racing or timed competition is usually separate again.
How do security, trackers and garaging affect cover?
Modified cars attract more theft interest, so insurers pay close attention to security. Approved immobilisers, alarms, trackers and keeping the car in a locked garage can all help you access cover and can bring the premium down. Telling the insurer exactly how the car is protected and where it is kept helps them price it correctly.
Are wheel, tyre and suspension changes modifications?
Yes. Changes to wheels, tyres, suspension, brakes and the exhaust are all modifications and must be declared, even if they seem minor. Suspension and brake changes affect how the car drives, while non-standard wheels and tyres change the specification the insurer rated. Declaring them keeps the cover valid if you claim.
How can I reduce the cost of modified car insurance?
Declare every modification accurately, add approved security such as an immobiliser or tracker, and keep the car in a locked garage where you can. A claim-free record, a realistic annual mileage and a sensible choice of modifications all help. Comparing quotes at renewal rather than letting the policy roll over is another simple way to keep the premium fair.
What should I have ready for a modified car quote?
It helps to have a full list of the modifications, both performance and cosmetic, with receipts and photos where you have them. Know the car’s make, model and age, the value you want to agree, where it is stored and your estimated annual mileage and driving history. Accurate details mean the quote reflects the car and the cover responds properly if you claim.
Why use a specialist modified car broker?
A specialist broker understands modifications, agreed value and modification cover, and can place a modified car with insurers built for it rather than a standard panel that may decline it. They can record every change correctly and arrange extras such as track-day cover, salvage retention and breakdown. This usually means better-matched cover at a fairer price.
Why compare modified car insurance with MyMoneyComparison?
Comparing connects you with FCA-authorised modified car specialists in one place instead of struggling with standard online panels. It helps you match the cover level, agreed value and modification cover to your car rather than simply chasing the cheapest option. MyMoneyComparison.com does not advise on or sell policies, it puts you in touch with specialists who can.
Resources
Insurance Guides, Articles & Resources
Related Car Products
Car Insurance Guides & Articles
Founder (2013)
13+ Years in the Industry
FCA Regulated Platform
Content on MyMoneyComparison.com is produced in collaboration with FCA-authorised insurance brokers and financial providers. All pages are reviewed for accuracy and regulatory compliance. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 916241). Last updated: August 2026.
Legal & Regulatory Information:
The MyMoneyComparison.com website is owned and operated by MyMoneyComparison.com Ltd, which does not provide financial advice and does not sell insurance policies. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation and credit broking activity under FCA registration number 916241.
MyMoneyComparison.com Ltd is a data controller under the Data Protection Act 2018, registered on the Data Protection Register under registration number ZA460665.
Registered Office: Jubilee House, 55 Church St, Morley, Leeds LS27 9JQ, United Kingdom.
© 2013-2026 MyMoneyComparison.com Ltd. All rights reserved.