Finding car insurance for modified vehicles can be difficult and expensive, but Gocompare.com makes it quick and easy to get quotes from both specialist and regular providers, comparing over 125 insurance brands in one simple search.
Insurance providers will all have different attitudes to modification risk, and by shopping around with Gocompare.com you may be surprised by the deal you're offered. Read more about the key areas of car insurance in our guides
Cover for modified cars can be pricey because many insurers will treat all changes from factory specification in the same way - whether it's a performance tweak, a cosmetic improvement such as a spoiler, a suspension change that improves the handling and safety of the vehicle, or even a ramp for disabled access. With the exception of security improvements, all other vehicle changes may be treated as an increased risk. This is not helped by the fact that young drivers - the highest-risk group - tend to make most modifications.
While some companies will not even quote for altered motors, specialist modified car insurers can be more sympathetic when dealing with non-standard vehicles, recognising that some owners and enthusiasts will have spent a lot of money on their machines and may be more likely to be careful with them. Specialist companies may also deal with items that don't affect the performance of the car by loading their cost onto the excess.
In our quotes process you'll be asked whether you have made any modifications to your vehicle. If you have you must declare it, otherwise any policy you take out may be invalid. Insurance providers will all have different attitudes to modification risk, and by shopping around with Gocompare.com you may be surprised by the deal you're offered.
It's also possible that you'll get your policy for free! Every car insurance customer who buys their policy through Gocompare.com is automatically entered into the prize draw, and 10 of them win free car insurance every month.
You can read more about the key areas of car insurance in our guides, where you'll find plenty of money-saving tips for your modified car, such as reducing the risk of theft by parking it in a secure location, or fitting a tracker or alarm.
Being a member of a car club may also make you eligible for a discount on your insurance. There are a number of clubs for drivers with modified vehicles that not only provide a good way to meet like-minded people, but can potentially save you money on your insurance premium.
Did you know…?
- Modifications to boost a car's performance are likely to have the biggest impact on premiums
- Modifying your car can reduce its value, even if you've improved the vehicle