Modified Car Insurance: What You Need To Know

When it comes to car modifications, many people don’t think twice about the potential insurance implications. But if you’re planning to modify your car, it’s important to make sure you’re aware of the potential risks, and how to insure your car correctly. Read on to find out what you need to know about modified car insurance.

What is modified car insurance?

Modified car insurance is designed to cover cars with modifications, such as performance modifications, visual modifications, and even security modifications. It is different from standard car insurance as it takes into account the extra risks associated with modified cars, and the additional costs associated with repairing and replacing modified parts. It also covers the cost of any specialist parts that may be needed.

What modifications are covered?

The types of modifications that are covered by modified car insurance vary from policy to policy, but most policies will cover performance modifications such as engine tuning and suspension upgrades, visual modifications such as body kits and alloy wheels, and security modifications such as alarms and immobilisers. It is important to check the policy details to make sure that your specific modifications are covered.

What is the cost of modified car insurance?

The cost of modified car insurance depends on a number of factors, such as the type of vehicle, the value of the modifications, and the driver’s age and driving history. Generally, modified car insurance is more expensive than standard car insurance, however, the additional cost is typically worth it for the added peace of mind that you’re covered for any potential risks or losses.

Do I need to tell my insurer about my modifications?

Yes, it is important to inform your insurer about any modifications you have made to your car. Failing to do so could invalidate your policy and leave you liable for any potential damages or losses, so it is important to be honest and make sure your insurer is aware of all your modifications.

How can I get the best deal on modified car insurance?

The best way to get a good deal on modified car insurance is to shop around and compare different policies. Make sure you read the policy details carefully to make sure it covers all the modifications you have made, and that the excess is reasonable. It is also worth considering fitting additional security measures to your vehicle, such as an immobiliser or alarm system, as this could help to reduce your premiums.