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Cover for modified cars can be pricey because many insurers will treat all changes from factory specification in the same way.
This could mean that you're facing a smaller choice of insurers and policies and, in many instances, higher premiums.
Frustratingly, this can be the case whether the modification is 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. Even towbars and roof racks are typically classed as modifications by insurers and consequently should be declared when you arrange cover. With the exception of security improvements, all other vehicle changes may be treated as an increased risk. But while some companies won't 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. All providers will have different attitudes to modified vehicles, and to particular sorts of modifications. If you already have a policy in place and subsequently modify your vehicle, you must inform your insurer - you can't wait until you renew your policy. While all insurers will handle modifications differently, it's worth remembering that performance-enhancing changes are likely to be seen as the riskiest and to result in the biggest premium hikes. Note also that logic doesn't always apply when it comes to assessing 'performance improvements'. The true value of a modified vehicle may be difficult to establish as the parts and the vehicle's condition may vary significantly from the market norm for a similar, non-modified vehicle. As well as the guidance to shop around for cover and the suggestion of joining a modified car club, our regular money-saving tips for car insurance also apply for modified vehicles.
Remember that altering your vehicle won't necessarily improve its value, even if you see the modification as an improvement.
All modifications are covered on a like-for-like basis and vehicles valued on their modified state.
So call us now on 01792 650 933 for more information and a competitive quote on a policy as unique as your car. Modified Car Insurance is different to standard car insurance as it requires an insurance specialist with knowledge of the technicalities of car modifications and specifications of parts. Here at Sky Insurance, we have a dedicated team of experts who can design your specialist motor insurance so you’re covered in the event of the unthinkable happening. Modifications can mean something as little as adding alloy wheels or a spoiler, or something as extravagant a turbo conversion. Sky Insurance believe that modifications indicate that the driver is more likely to take care of their vehicle, so the premiums should be set accordingly.
So if you’re looking for competitive rates on your modified car or modified van insurance, then you need look no further. Contact us on 03303 331 250 or request a call back today and get a quote for your modified car insurance with the best in the business.
We also specialise in the following non-standard car insurance markets:- imported car insurance, performance car insurance, prestige car insurance, sports car insurance, hot hatch insurance and engine swap car insurance.
Long time customer of Sky Insurance, Richard owns this Nissan 200sx and when the rest of the drift world are immersed in engine swaps with big V8's going into a lot of competitive drift cars, this beauty still runs its original CA18DET engine, with a very long list of mods to go with it. Richard decided against the competitive side of the drift scene and favoured using his skills and car to offer passenger rides at the car shows we all know and love. Not only are we very happy to be insuring Richard and his cars, but we'll be keeping an eye on his progress with further reports to come! To show our continued commitment to the Modified Car Scene, Sky Insurance often sponsor prestige car events for car enthusiasts. The Sky Insurance team recently visited Drift Limits in Bovingdon, Hertfordshire for a staff reward day out; or Drifting Training as we prefer to call it! With our team being of various ages, experience and abilities it was great to be able to get into each car with the confidence of having a professional instructor with duel control pedals, as you would find in a learner driver’s car. As Sky Insurance pride themselves in being The Modified Car Insurance Specialists, we also support and sponsor events that highlight and promote high performance and modified cars, such as the fantastic Awesome Fest weekend organised by Driftworks in July 2011. If ever you needed to see why the British Drifting Championships are so popular, watch this amazing film produced by Stephen Brooks, where he totally captures the scene, the mood and the excitement involved with the 2010 Championship. Many thanks to Stephen for his kind permission to allow us to share these with many of our car enthusiast connections. Sky Insurance takes great pride in the fact that we are sponsors of the Driftworks Team for the British Drifting Championships - and we are delighted that they were the eventual winners of the 2010 Championship. At Sky Insurance, we believe there are two ways of looking at this (1) it could be seen as a negative, as any claim for vehicle damage would not be standard and the driver could be categorised as higher risk, as someone who is trying to push their car further than a normal driver, or (2) the driver is passionate about their car and is more likely to take better care of it than a normal standard driver. Modified car insurance policy tends for you to cost over standard polices for two main reasons.
Minor Improvements – For instance, re-sprays, colored windows along with new seats, car mobile phone systems, frightens, tracking units and immobilizers. Channel Modifications — Including spoilers, alloy wheels and also other beauty therapies.
Major Improvements – These might be enhanced exhausts, serf chipping, minimal profile tires, and bodywork improvements. Modifying the price – Keeping the price tag on modified car insurance policy or performance car insurance policy down is just not impossible. A modification can be a great way to personalise your car, and even improve its performance – there is a downside though, it can quickly bump up the cost of your car insurance. While many of us don’t go as far as ‘Pimp Your Ride’ in the changes we make to our vehicles, it’s still important to consider a potential downside – namely, that vehicle modifications can increase the cost of your car insurance. Even if you’re not looking to ‘pimp’ your ride, you may find just a slight modification is enough to push up the price of cover. A car modification is a change made to a vehicle so that it differs from the manufacturer’s original factory specification. Insurance is based upon risk, and when quoting for cover insurers use a number of factors before arriving at a price.
Risk of Accident – Modifications that change the look and performance of your vehicle are assessed by insurers to be a higher accident risk. Risk of Theft – Some modifications, such as phone kits or performance modifications, also increase the chance that your vehicle is broken into or stolen.
Analysing information on 2.3 million modified vehicles, our number-crunchers produced the price guide below to show the effect each type of modification has on the cost of car insurance costs.
In general, many of the performance and aesthetic changes made to vehicles will increase the cost of cover.  Interestingly, insurers even rate specialist paint and decals as a higher risk, and ‘go faster stripes’ and rally numbers are cause for concern when considering the cost of cover.


On the other hand, performance and aesthetic changes such as tinted windows and alloy wheels are both more commonplace and considered low risk. There are some functional car modifications, such as aftermarket fitted satnavs and phone kits, can also increase insurance costs because they are considered a high theft risk, whereas others can reduce premiums. For example, parking sensors mean you are less likely to have a prang when reversing, while having a tow bar means that when hooked-up you are spending more time driving at a moderate pace. Always tell insurers about modifications made to your car, as not declaring could invalidate your policy.
If you’re changing your car from the factory specification, always tell your insurer at the time you make a change. When renewing insurance for a modified car, always run a number of quotes as this could be an easy way to save money.
It’s worth mentioning that when changing the tyres the speed rating and profile can affect whether the insurance company pays out even if there is no impact on the insurance premium. I got a quote without parking sensors and using MoneySupermarket compared insurance quotes and got ?196 as my lowest. Hi Alastair, is there a way that I can sustain the same benefits or coverage of my old insurance even after some car modification due to dent repair? If you upgrade your brakes and add a rollcage surely the price should go down due to safety?
I have been advised by my insurance company that any component fitted to a car, extra to standard specification, is a modification, If a person chooses to order leather seats rather than cloth at the time he orders the car brand new, then that additional extra would be classed as a modification.
I agree with you that stickers is a stupid excuse to increase insurance prices but i think you’l agree and understand why uprated brakes can increase insurance prices right? So I bought, 5 weeks ago, a year old Volvo V60 which has rear parking sensors and loads of other factory fitted features (no idea if the were options?) but not front parking sensors, so I asked the dealership to install front parking sensors. Just had this back from online chat at Aviva: Anything that is fitted to the vehicle as it was built is classed as an upgrade, anything added once it has left the factory is classed as a modification. Therefore it was agreed I don’t have to add any modifications for my Mini Cooper S which has the chili pack, panoramic sunroof, parking sensors, alloy wheels and bonnet stripes. This seems logical as I’d presumably have to mention air con, electric windows, colour etc as a modification otherwise!
Hi, can you advise whether a child’s car seat is classed as a modification for insurance purposes? Hi how much of a difference would a set of 18inch alloys and lowered suspension be on insurance anybody no.
HI after looking at this page for some stats and advice but not going to now as whoever done the stats for this page need to try again. The rx7 is not the most modified car around and also wasn’t back when this was written. Please could you get this updated before giving out misleading advice from inaccurate stats. So if you’re looking for competitive rates on your modified car or modified van insurance, then you need look no further.
If you don't, you risk invalidating your policy meaning you'll be breaking the law and will be without cover. This is not helped by the fact that young drivers - the highest-risk group - tend to make most modifications. If your car has been changed in such a way, you should answer 'Yes' and then specify all of the modifications from our easy-to-use drop-down menu. Should you neglect to do this the same thing applies as if you hadn't declared a modification when taking out a policy - you risk invalidating your cover. In the unfortunate event that your vehicle is declared a cosmetic write-off - meaning its repair would cost more than a new car - salvage retention would give you the right to buy it back.
Think about your vehicle's security and where it's kept overnight, for example, and if your car only does a limited mileage, make sure your insurer knows that. With so-called 'black box' policies, the way you drive will have a significant impact on your premium, meaning that good, safe motorists may benefit even if their modified vehicle is considered 'flashy'. Problems in arranging insurance are one reason for this, but individual taste may be another. Our own car park is full of modified cars belonging to staff and management alike, and all of us are passionate about them.
This can add value, increase theft risk, make it more difficult to find replacement parts and mean that the driver is categorised as higher risk.
We at Sky Insurance are considered experts in the field of modified car insurance, so you’re in good hands. The reason for our visit was to give our staff a taste of driving some performance and modified cars but also sample the Motorsport of Drifting. Surprisingly for us, we started with the fast cars, a track prepared E46 M3 BMW and an Ariel Atom. Each staff member (with instructor) had four laps of the Drift Limits track in the M3 and Atom, building up speed and confidence each lap.
Awesome Fest was a weekend of extreme sports and music, including Drifting Sessions, Passenger Rides, MotoX, Fearless Ramp Parks, Mini-Bikes, Drifting at Night, Skateboarding, Paintballing, a Funfair and a great selection of DJ sets in The Sky Insurance Sound Stage tent. We feel in the majority of cases, option (2) is the correct one and we therefore set our modified car premiums accordingly - this is why we are known throughout so many forums as the modified car insurance specialists.
With my car modifications declared, wheels, trunk mount intercooler, fuel system, gt30 turbo, clutch, cams, forged engine, engine management system, etc.
My full faith in Sky is due to this one guy being the most amazing rep and providing a second to none service.
Sky Insurance is connected for the purposes of the Insurance Companies Regulations 1994 to Universal Insurance Company (Guernsey) Ltd who is authorised and regulated by the Guernsey Financial Services Commission. Minor improvements generally will never raise your insurance charges drastically, but should always be notified for an insurer when they change the state of Hawaii of the auto from their original features.
Cosmetic changes for a car that increase the appearance drastically can elevate two troubles for insurance firms.
Generally each of the above will certainly attract the very best premiums inside modified car insurance policy market. Adding stability features could balance the more expensive theft threat category, while minimizing the distance on functionality car policies can even be beneficial. When you run quotes with MoneySuperMarekt you’ll be asked about modifications on the application screen – make sure you don’t leave anything out. Different insurers have a different view on what constitutes a modification, so it is always best to check whether your insurance policy is impacted.
Each insurer has a different view on risk, so comparison is a good way to find the cheapest.


Insuring your car can be difficult, although people shouldn’t let it get in the way too much! Better brakes stop quicker and could stop an accident and rollcage if your car rolls over into a ditch it will protect you and your car with out! The cost of the car to buy it with leather seats rather than cloth would be higher and would be insured to the value disclosed, so why are the additional extras classed as a modification? If they are part of a model spec then they are not modifications, they are faction spec so long as the model you are insured for is accurate. I mean, only in the world of insurance companies would uprated bakes make the car less safe, and stickers somehow make you more likely to have a crash! Here at Sky Insurance, we have a dedicated team of experts who can design your specialist motor insurance so you’re covered in the event of the unthinkable happening.
We at Sky Insurance are considered experts in the field of modified car insurance, so you’re in good hands.
The options you see on the results page will take into account the modifications you've declared. We can insure all makes and models with premiums calculated on power, value and the drivers, not on other mechanical or cosmetic modifications.
If you need to increase your pre-set BHP limit, vehicle value, or install a private plate, there may be fair charges which can be pre-quoted and agreed. This is why insurance providers term modified cars or vans as non-standard vehicles, and the insurance premiums are higher.
But that's not all, having driven half way across Europe to compete, successfully won the qualifying heat in France and will be taking part in the Final In Madrid in October! It was a truly brilliant weekend event for car enthusiasts like ourselves and it has been captured by the legend that is Stephen Brooks in his film here - this film will certainly wet your appetite for next year's event.
Please be aware there is a small amount of swearing in this clip and may not be suitable to those under 15. You can read more about our sponsorship and the success of the Driftworks Team on our Driftworks page. A very helpful bunch and would recommend them to anyone.DaveSFiesta ST OCA Happily Insured Modified Car OwnerSky the best once more. If you want quality insurance service with a personal touch speak to Graham at Sky Insurance - they know what they are doing. Second performance improvements suggest more rapidly, more difficult to address cars, which are generally inevitably additional risky drive an automobile and very likely to be linked to accidents.
Generally these kind of cars will be more valuable and thus at an increased risk involving theft. All functionality enhancing capabilities will usually put the auto in a better risk classification and similar to other modifications could also increase the price tag on repairs along with replacements. For the reason that insurance sector is remarkably competitive the idea pays to buy around.
If the seats were changed AFTER it had come off the production line I could understand why the change would be a modification.
This means no matter what cosmetic modifications you make from alloys and wind deflectors to air-ride, roll cages and seat configurations, your premium won’t change.
Everything else is completely free of charge* and can be added onto your custom insurance policy in a 30 second phone call.
There were, of course, many Supras and other types of cars in attendance, with plenty of Drag Racing & Drifting going on. Have already got my Skyline insured with Sky Insurance and figured I'd give them a quick try for my daily derv runner. Compare numerous quotes as it can be – in particular when you get into the significant modification classification. I am about to buy a second hand car which was ‘fully loaded’ by the first owner when he placed the order for it from the manufacturer. I spoke to Luke and he was spot on, knew all about modifications so it was an easy job getting the quote.
Finally revised cars will often be more expensive to mend – pieces and manual work often attracting reasonably limited! The price tag on repair as well as replacement is above that pertaining to cars with no modifications which are the modified car insurance more high-priced.
Try numerous comparison sites to have the best introduction to the quotations available along with approach consultant modified car insurance policy brokers to discover the best deals through the market. My insurer states that I have to disclose those additional fittings chosen by the car’s first owner as modifications. Unlike most of our competitors, we do not charge any admin fee nor increase premiums for non-performance modifications. After a quick convo with him they beat any price the comparison websites could throw at me - top bloke and even the policy excesses are lower than all of the higher quotes which was a bonus. Leaving your wallet free to buy the best parts throughout the year with the peace of mind that your modified car is insured properly and correctly. When comparing quotes, do consider any changes you may make to the vehicle or personal circumstances as related charges can have an impact on the overall price paid. Not sure if I've posted much about Sky Insurance in the past but definitely thought they deserved a mention for what they pulled out of the bag for me on this one - so a big thanks to all at Sky especially Kevin and Ollie.
But thanks too my last phone call which was too Sky and what great service - not to mention cheapest of the day. Called Sky today, gave me a great quote on my car and called back when they said they would. It was quite a shock to the system to find the premiums up by 50% when getting quotes to reinsure.
Had a call back from Sky this morning and they arranged to mirror the existing bonus on the second car, so no messing with that policy, and quoted me £435 on the GTO so very happy. Very helpful on the phone, offered like for like modifications, which I was surprised with and free legal cover on my policy, which beat all the other quotes I got over the last few days. Very good price and very good service, quickly done over the telephone (Ollie - Daniel was top bloke) and all should be well.



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