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Find the Cheapest Modified Car Insurance in the UK Today!

SELL MY MODIFIED CAR

• 15 min read
Find the Cheapest Modified Car Insurance in the UK Today!
Photo by Chris Demers / Unsplash

Finding affordable modified car insurance in the UK can be a challenge, as many insurers charge higher premiums for modified vehicles. However, there are providers that offer policies specifically tailored for modified cars at a reasonable cost. Brentacre, for example, offers coverage for all makes and models, with premiums calculated based on power, value, and driver information. They also do not charge for non-performance modifications and offer options for engine swaps, key cover, and limited mileage discounts. Mustard.co.uk is another option, allowing you to compare quotes from a variety of insurers to find a policy that fits your needs and budget. Keith Michaels also offers cheap modified car insurance, with specific insurance schemes in place for all types of modifications.

Key Takeaways

  • Many insurers charge higher premiums for modified vehicles in the UK
  • Providers such as Brentacre, mustard.co.uk, and Keith Michaels offer policies specifically tailored for modified cars at an affordable cost
  • Informing your insurance provider of any modifications to your vehicle is essential for proper coverage

Insuring Modified Cars with Brentacre

One such provider is Brentacre, which offers modified car insurance policies that cover all makes and models. The premiums are calculated based on factors such as power, value, and the driver, and they don't depend on other mechanical or cosmetic modifications. Brentacre is passionate about insuring modified cars and has a team that understands and appreciates all types of modifications.

When you insure your car with Brentacre, your premium won't change regardless of the cosmetic modifications you make. This includes modifications like alloys, wind deflectors, air-ride, roll cages, seat configurations, and more. They also offer key cover, consider engine swaps, and provide limited mileage discounts for show cars.

Brentacre covers a wide range of car modifications, including engine swaps, seats, harnesses, intercoolers, coilover suspension, air ride, alloys, and more. They even offer coverage for extreme custom cars, hot rods, and vehicles adapted for disability or dual controls for driving tuition.

If you're planning to modify your non-modified car later, Brentacre doesn't charge any admin fees or increase premiums for non-performance modifications. They offer flexible modified car insurance policies that allow you to buy the best parts for your car throughout the year.

It's important to declare all modifications from factory standard to the insurer before taking out a policy to ensure that your cover is valid. Brentacre offers competitive quotes and has specialists who understand the modified car industry. They can even provide modified car insurance for drivers under 21 years old.

In addition to modified car insurance, Brentacre offers other popular policies such as American Car Insurance, Japanese Import Car Insurance, Modern Classics Insurance, and VW Transporter Insurance.

It is also important to note that while Brentacre covers most cosmetic modifications free of charge, they reserve the right to exclude any modification that significantly increases the risk of fire, theft, or damage.

If you're looking for modified car insurance, you can also compare quotes from different insurers to find a policy that fits your needs and budget. Mustard.co.uk is a platform where you can compare modified car insurance quotes and find the best deal.

Keith Michaels is another insurance broker that specializes in modified car insurance. They have specific insurance schemes in place to cover all types of modifications. With a Keith Michaels modified car insurance policy, you can be confident that your modified car is protected at the right price.

When insuring a modified car, it's important to inform the insurer about all the modifications to ensure that your policy is valid. Some modifications may affect the cost of your insurance, but there are ways to keep premiums as low as possible. These include paying for your policy upfront, increasing your voluntary excess, increasing security measures, getting an advanced driving qualification, limiting mileage, and joining a car club.

Overall, there are various options available for insuring modified cars with companies like Brentacre and Keith Michaels. It's important to choose a policy that provides the necessary coverage for your modified car and suits your unique requirements.

Reasons to Choose Brentacre for Modified Car Insurance

There are several reasons to choose Brentacre for your modified car insurance. First, Brentacre offers insurance coverage for all types of modified cars, with premiums calculated based on factors such as power, value, and the driver's profile. This means that whether you drive a modified sports car or a modified family car, Brentacre has got you covered.

Second, the staff and management at Brentacre are passionate about modified cars and have a solid understanding of all types of modifications. This means that when you contact Brentacre, you can be confident that you're speaking to experts who know the modified car industry inside and out.

Third, Brentacre guarantees that your premium won't change for cosmetic modifications such as alloys, wind deflectors, air-ride, roll cages, and seat configurations. This means that you can modify your car's appearance without worrying about your insurance premium going up.

Fourth, Brentacre covers all types of modifications, including engine swaps, seats, harnesses, intercoolers, coilover suspension, air ride, and alloys. This means that no matter how extensive your modifications are, Brentacre has got you covered.

Fifth, Brentacre can provide insurance coverage for extreme custom cars, hot rods, and vehicles adapted for disability or dual controls for driving tuition. This means that even if you have a highly customized or unique vehicle, Brentacre can provide you with the coverage you need.

Sixth, unlike most competitors, Brentacre does not charge any admin fees or increase premiums for non-performance modifications, allowing you to freely modify your car throughout the year.

Seventh, if you need to increase your BHP limit, vehicle value, or install a private plate, Brentacre offers pre-quoted and agreed charges for these changes. This means that there are no hidden fees or surprises when you need to make changes to your policy.

Eighth, when you contact Brentacre, you'll be speaking to a specialist who understands the modified car industry and can provide expert advice and assistance. This means that you'll receive personalized service and support when you need it.

Ninth, Brentacre has a track record of providing competitive modified car insurance quotes, ensuring that you get the best value for your money.

Finally, in addition to modified car insurance, Brentacre also offers policies for other types of vehicles, such as classic cars, campervans, American cars, Japanese imports, modern classics, and VW transporters. This means that you can rely on Brentacre for all your vehicle insurance needs.

Overall, Brentacre is a trusted and reliable choice for modified car insurance, offering comprehensive coverage, competitive pricing, and a team of experts who understand the unique needs of modified car owners.

Modifying Your Car with Brentacre Insurance

If you plan to modify your car in the future, Brentacre is an excellent choice as they don't charge any admin fees or increase premiums for non-performance modifications. This means that cosmetic modifications such as alloys, wind deflectors, air-ride, roll cages, and seat configurations will not affect your premium. Brentacre Insurance covers all makes and models of modified cars, including extreme custom cars, hot rods, and vehicles adapted for disability or dual controls.

The policy covers modifications on a like-for-like basis, ensuring that the value of the modifications is reflected in the policy, and offers key cover and limited mileage discounts. However, it is important to inform the insurance provider of any modifications made to ensure that the policy remains valid. Failure to do so may result in the policy being invalidated in the event of a claim.

Comparing quotes and considering the impact of modifications on the overall price paid is recommended. It is also important to note that additional costs may apply for high-value or high-performance modifications. However, Brentacre's approach to non-performance modifications means that car owners can modify their vehicles without worrying about additional costs, making it an attractive option for those wanting to personalize their vehicle.

Modifying Your Car with Brentacre Insurance

Brentacre's policy of not charging admin fees or increasing premiums for non-performance modifications means that car owners can modify their vehicles freely without worrying about additional costs. Whether you want to add alloys or wind deflectors, Brentacre will still offer you a competitive quote and comprehensive coverage. This policy is particularly attractive for those who want to personalize their vehicle, without worrying about the cost implications.

Brentacre's approach to modifications means that they cover all types of modifications, from engine swaps to coilover suspension and air ride. They also offer coverage for extreme custom cars, hot rods, and vehicles adapted for disability or dual controls, ensuring that all modified vehicles can be insured under the same policy.

It is important to note that while Brentacre does not charge admin fees or increase premiums for non-performance modifications, failure to inform the insurance provider of any modifications made can result in the policy becoming invalid. This could lead to significant costs in the event of a claim, so it is crucial to ensure that all modifications are declared to the insurer.

Overall, Brentacre's policy of not charging admin fees or increasing premiums for non-performance modifications makes it an attractive option for those wanting to modify their vehicle. With comprehensive coverage and options for limited mileage discounts and key cover, Brentacre provides excellent value for modified car insurance.

Considering Changes and Pre-Quoting with Brentacre

When comparing insurance quotes for modified cars, it's important to consider any potential changes you may make to the vehicle or personal circumstances. Brentacre allows you to pre-quote and agree upon any changes before finalizing your policy, ensuring transparency and avoiding any additional charges that may arise due to unanticipated modifications.

If you plan to add a private plate or increase your pre-set BHP limit, Brentacre can work with you to provide coverage that meets your specific needs. The company covers a wide range of car modifications, including engine swaps, seats, intercoolers, coilover suspension, air ride, alloys, and more, without increasing your premium regardless of cosmetic modifications like wind deflectors or seat configurations.

In addition to modified car insurance, Brentacre also provides specialized coverage for classic cars and campervans. They offer limited mileage discounts, agreed values, and all modifications are replaced on a like-for-like basis. It's essential to inform your insurer about any modifications from factory standard to ensure your coverage is valid.

Another option to find the best insurance policy for your modified car is to use Mustard.co.uk. The website provides an easy way to compare quotes from different insurers based on your specific requirements. They ask a few simple questions to find the best insurer for you or you can contact their call centre for assistance.

For car enthusiasts who modify their vehicles, Keith Michaels also provides tailored policies for various modifications. With over 30 years of experience, their brokers understand and appreciate the unique requirements of modified cars. Keith Michaels offers like-for-like replacement of modified parts after a claim and treats every customer as an individual.

Overall, when considering modifications and pre-quoting for insurance, it's important to find a specialized provider that caters to the needs of modified car owners. Brentacre and Keith Michaels offer comprehensive coverage, competitive quotes, and knowledgeable teams that can provide a tailored policy to meet your specific requirements. It's advisable to inform your insurer of any modifications to ensure your coverage is valid and avoid any refusal to pay out in case of an accident.

Extensive Coverage of Modifications with Brentacre

Brentacre covers a wide range of car modifications, including engine swaps, seats, harnesses, intercoolers, coilover suspension, air ride, alloys, and more. They offer coverage for all makes and models of modified vehicle, including extreme custom cars, hot rods, and vehicles adapted for disability or driving tuition. Unlike many insurers, Brentacre does not charge additional premiums for cosmetic modifications like alloys, wind deflectors, or roll cages. They also provide key cover and limited mileage discounts.

Brentacre replaces modifications on a like-for-like basis and offers agreed values for modified vehicles. They do not charge admin fees or increase premiums for non-performance modifications, allowing car owners to modify their vehicles as they wish without incurring additional costs.

Brentacre's knowledgeable UK-based team is available to assist with inquiries and can provide competitive modified car insurance quotes. In addition to modified car insurance, Brentacre also offers coverage for other modified vehicles, such as classic cars and campervans, valuing all modifications on a like-for-like basis. Brentacre's extensive coverage and focus on modified vehicles make them a great choice for those looking to insure their modified car.

Additional Insurance Options with Brentacre

In addition to modified car insurance, Brentacre also offers insurance for other modified vehicles such as classic cars and campervans. Their policies value all modifications on a like-for-like basis, ensuring that any changes made to your vehicle are fully covered. You can easily add modifications to your existing policy, giving you the flexibility to make changes to your vehicle while maintaining comprehensive coverage.

Brentacre is a specialist provider that understands the unique insurance needs of modified vehicle owners. Their knowledgeable team is dedicated to providing tailored policies that meet your specific requirements. They do not charge admin fees or increase premiums for non-performance modifications, giving you the freedom to modify your vehicle without worrying about additional costs. Brentacre also provides additional benefits such as key cover, limited mileage discounts for show cars, and agreed values, ensuring that you have the right coverage for your vehicle.

If you own a classic car or campervan, Brentacre can provide you with fully comprehensive insurance that covers all modifications and conversions. Their policies are designed to give you peace of mind, knowing that your vehicle is protected against any unforeseen circumstances.

Brentacre Insurance Options for Modified Vehicles:
Valuing all modifications on a like-for-like basis
Ability to easily add modifications to existing policies
No admin fees or premium increases for non-performance modifications
Additional benefits such as key cover, limited mileage discounts, and agreed values
Specialized insurance for classic cars and campervans

When considering modifications to your vehicle, Brentacre advises that you declare all changes to your insurer to ensure that your cover is valid. This is especially important when purchasing a second-hand modified car, as proper declaration is essential to ensure that your coverage is adequate. Brentacre provides competitive quotes for modified car insurance, including policies for under 21-year-olds and modified van insurance. Their policies are designed to give you comprehensive coverage at an affordable price, ensuring that you have the right protection for your modified vehicle.

If you are looking for additional insurance options for your modified vehicle, Brentacre is the go-to provider for comprehensive coverage tailored to your unique needs. Their policies cover a wide range of modifications, including engine swaps, seats, harnesses, intercoolers, coilover suspension, air ride, alloys, and more. Contact Brentacre today for a competitive quote and speak to their knowledgeable team in the UK for more information.

Contact Brentacre for a Competitive Quote

To get a competitive modified car insurance quote from Brentacre, simply contact their specialist team at 01792 650 933. Brentacre is a specialized insurance company that offers coverage for all makes and models of modified cars. Their premiums are calculated based on factors such as power, value, and the driver, providing tailored policies that suit the individual needs of their clients.

One advantage of choosing Brentacre is that they do not increase premiums for non-performance modifications and do not charge any administration fees. They offer comprehensive coverage options that consider engine swaps and cover all modifications, including engine swaps, seats, harnesses, intercoolers, coilover suspension, air ride, and alloys.

Brentacre also offers key cover, limited mileage discounts for show cars, and agreed values, providing additional benefits to their clients. They can provide insurance for extreme custom cars, hot rods, and vehicles adapted for disability or dual controls for driving tuition.

When comparing insurance quotes, it is important to consider any changes that may be made to the vehicle or personal circumstances, as these can impact the overall price. Brentacre's team of specialists can provide transparent agreements for any potential changes and ensure there are no hidden surprises or additional charges.

Contact Brentacre's specialist team for a competitive quote, whether you are under 21 or require modified van insurance. Their knowledgeable team can provide advice and information to help you choose the right policy and ensure proper coverage for your modified car.

Keith Michaels: Another Option for Cheap Modified Insurance

If you're looking for modified car insurance from a different provider, Keith Michaels is another reliable option. They offer cheap modified insurance policies with premiums based on power, value, and the driver. Their policies cover all makes and models, and unlike many competitors, they do not charge an admin fee or increase premiums for non-performance modifications.

Keith Michaels offers a wide range of coverage for modifications, including engine swaps, seats, harnesses, intercoolers, coilover suspension, and more. Their insurance also includes specialized coverage for custom cars, hot rods, and vehicles adapted for disability or dual controls for driving tuition.

Keith Michaels is committed to providing like-for-like replacement of modified parts and has a team of knowledgeable brokers who understand the needs of modified car owners. They have over 30 years of experience in the industry and provide tailored policies to meet individual requirements.

If you're a modder, Keith Michaels may offer the specific insurance schemes you need to ensure proper coverage for your modified car. Contact them for a competitive quote and personalized service tailored to your needs.

Ensuring Proper Coverage for Your Modified Car

To ensure that your modified car is properly insured, it's crucial to declare all modifications from the factory standard when taking out a policy. Failure to do so may result in your policy being invalidated, leaving you responsible for any costs associated with an accident or damages to your vehicle.

If you're considering purchasing a second-hand modified car, it's important to be clear on all the modifications made to the vehicle and declare them to your insurer when obtaining coverage. This will help ensure you have proper coverage and avoid any surprises or issues down the road.

When insuring your modified car, cosmetic modifications like alloys, wind deflectors, air-ride, roll cages, and seat configurations won't affect your premium. However, engine swaps and other mechanical modifications will be taken into consideration when calculating your premium. It's important to inform your insurer about any modifications to ensure your coverage is valid.

When obtaining coverage, always compare quotes and consider any changes you may make to your vehicle or personal circumstances, as they can impact the overall price. Some modifications, such as a towbar or roof rack, may not significantly increase the cost of insurance, but others, like engine or mechanical modifications, might. Insurers calculate premiums based on factors like age, location, driving record, claims history, and the extent of modifications.

It's also important to note that some modifications may be illegal and cannot be covered by insurance. Be sure to consult with your insurer if you have any concerns about the legality of your modifications.

In addition to standard coverage options, modified car insurance policies may include additional features like courtesy car entitlement, breakdown cover, and windscreen cover. You can further reduce costs by paying your policy upfront, increasing your voluntary excess, improving security measures, obtaining an advanced driving qualification, limiting mileage, or joining a car club.

Overall, it's crucial to find the right insurance policy for your modified car to ensure proper coverage and protect your investment. Consulting with specialists in modified car insurance, such as Brentacre and Keith Michaels, can help you navigate the process and find a policy that meets your unique requirements.

The Benefits of Choosing a Specialized Provider

Both Brentacre and Keith Michaels understand the challenges of insuring modified cars and provide comprehensive coverage specifically tailored for such vehicles. Choosing a specialized provider offers peace of mind that your modified car is covered properly. Brentacre calculates premiums based on power, value, and driver information and does not charge admin fees or increase premiums for non-performance modifications, allowing for hassle-free modification of your car. They cover a wide range of modifications and ensure that all modified parts are replaced like-for-like, with their policies offering agreed values and limited mileage discounts.

Keith Michaels views modifiers favorably because they understand the care and attention given to modified cars. Their brokers are fellow car enthusiasts who modify their own vehicles, so they appreciate the modifications their customers make. Keith Michaels also offers customized policies with no increase in premiums for modifications that do not affect horsepower. They ensure that modified parts are replaced like-for-like after a claim and offer the same cover as standard policies, including options for a courtesy car, breakdown cover, and windscreen cover. Customers can also save on premiums by paying upfront, increasing their voluntary excess, increasing security measures, obtaining an advanced driving qualification, limiting mileage, or joining a car club.

Overall, choosing a specialized provider for modified car insurance ensures that customers get the specific coverage, support, and value for money they need for their uniquely modified vehicles. Comprehensive coverage and tailored policies provide peace of mind that your car is protected at the right price.

Conclusion

By choosing a specialized provider, you can enjoy the peace of mind that your modified car is protected at the right price. Brentacre and Keith Michaels are two companies that specialize in modified car insurance policies, covering a wide range of modifications, including cosmetic changes and engine swaps. These policies provide coverage on a like-for-like basis, ensuring that any modified parts will be replaced in the event of a claim.

However, it is essential to declare all modifications when taking out a policy. Failing to do so can invalidate the policy, leaving drivers without any coverage in the event of an accident. It is also important to inform the insurer of any potential changes to the vehicle or personal circumstances that may affect the policy.

There are ways to lower the cost of modified car insurance, such as paying upfront, increasing security measures, and limiting mileage. By comparing quotes from different insurers, drivers can find the best policy for their modified vehicles, ensuring they are adequately covered without breaking the bank.

When it comes to insuring modified cars, finding the right policy can make all the difference in providing peace of mind on the road. By choosing a specialized provider and declaring all modifications, drivers can rest easy knowing their modified cars are properly covered.

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