Secure Your Modified Car Insurance

Secure Your Modified Car Insurance
Photo by Vlad Grebenyev / Unsplash

In the UK, car lovers know the value of getting the right insurance for their modified vehicles. Many find it hard to get standard policies that recognise the true worth of these special cars. That's why specialist car insurance is so important. It focuses on the unique changes you've made to your car. And, as you make adjustments, it ensures your investment stays safe.

So, whether you're boosting performance or adding cool looks, the correct coverage is crucial. It brings peace of mind and keeps your finances secure.

Key Takeaways

  • Consider specialist insurers for expert advice on customised vehicle coverage.
  • Security upgrades like approved immobilisers can lower insurance premiums.
  • Adhering to safety rules during modifications can help reduce insurance costs.
  • Regular maintenance optimises insurance costs and extends the life of modifications.
  • Modifying cars with strong aftermarket support, such as the Honda Civic or Volkswagen Golf, ensures easier insurance coverage due to available quality parts.

Understanding the Basics of Modified Car Insurance

Modified car insurance protects the changes made to your car. It includes engine upgrades and changes to its look. These mods change your car's value and risk, so they need special insurance.

Why Modified Car Insurance is Necessary

UK modified cars need special insurance policies. Normal ones don't always cover all the unique parts of a custom car. Companies like Keith Michaels make sure your car's every change counts in your coverage.

Modifications like turbochargers might increase your price a lot. Keith Michaels takes it easy, usually only raising costs by 20%, not the usual 132%.

Common Modifications That Affect Your Policy

Many changes affect your policy differently. Let's look at some common ones:

  • Transmission or Gear Change: Keith Michaels doesn't increase your premium, unlike others who raise it by 63%.
  • Exhaust Changes: While some add 26%, Keith Michaels might only add 5%.
  • Wheel arches: Keith Michaels keeps the price the same, avoiding the 41% increase from other insurers.
  • Complete body kit: They only raise by 10-15%, which is less than the 57% some increase by.
  • Spoilers/Skirts and Light Changes: These won't make Keith Michaels rates go up, unlike when it increases by 23% or 12% at regular insurers.
  • Dashboard Changes: Most insurers add 16%, but Keith Michaels does not.
  • Uprated Brakes: With just a 5% rise, it's much lower than the typical 36% jump.

If you've updated your car for performance, it's important to note the cost. Tinted windows (16% more), new seats (27% bump), and other changes. Specialist insurers make sure your car's value is truly recognised and protected.

Knowing about modified car insurance helps keep you covered. It balances value and the risks of your custom car policy.

Preparing Your Car for Insurance

Keeping your modified car running well is key for getting good insurance prices. Do regular checks and think hard about any changes you make. These steps can help you get better insurance deals.

Key Maintenance Tips

Looking after your car well is essential. It makes sure it's always ready for the road and meets what insurers want. Don't forget these important tips:

  • Regular Check-Ups: Get your car looked at often to find and fix problems early. This means checking the engine, changing the oil, and making sure the brakes work right.
  • Tyre Maintenance: Make sure your tyres have enough air and good tread. Using winter tyres can make your car handle better and please insurers.
  • Security Enhancements: Putting more locks on your car can stop it from being stolen. It might also make your insurance cheaper.

Following these tips for keeping your car in top shape can lead to better insurance deals.

Planning Your Modifications

Thinking about changing your car? Remember, it can affect your insurance. Here's how alterations compare between regular and special insurers like Keith Michaels:

Modification Standard Insurers Keith Michaels
Turbo/Supercharging 132% increase 20% increase
Transmission/Gear Changes 63% increase No change
Exhaust Changes 26% increase 5% increase
Suspension Alterations 25% increase 5% increase
Alloy Wheels 8% increase No effect
Light Additions 12% increase No effect
Intercooler Upgrades 23% increase No effect
Paintwork Changes 36% increase No information

Planning changes carefully helps you get good insurance prices. Knowing how each change affects your premiums can improve your car and your insurance deals.

Finding the Right Insurer for Your Modified Vehicle

It's vital to choose carefully when insuring your modified vehicle. Many mainstream insurers may not cover basic modifications. This makes it crucial to look at your options closely.

Specialist vs Mainstream Insurance Providers

Mainstream and specialist insurers differ in how they understand and provide for modified vehicles. Usually, everyday insurers see modified vehicles as higher risks, possibly leading to higher premiums. However, specialists like Performance Direct offer competitive policies that appreciate the unique changes made to your vehicle.

Specialists understand every detail of modified car insurance. They cover everything from looks to boosting performance. They aim to provide full UK coverage for modified vehicles. This makes sure all changes are in the policy, avoiding issues if you need to claim. They might also require you to use approved places for any vehicle upgrades, which can make your insurance more secure.

Tips for Comparing Quotes

When you compare insurers, remember to check their reputation and what they cover. Here are some important points:

  • Disclosure of All Modifications: Always tell the whole truth about your vehicle's changes to get an accurate quote.
  • Understanding Coverage Terms: make sure you know what your policy covers. Some insurers might not cover your changes if they're too big.
  • Safety Enhancements: Look for insurers that appreciate safety mods. They could lower your premiums.
  • Claims Handling: Choose insurers who have a good reputation for managing claims involving modified vehicles.

Performance Direct is a top choice for tailored, affordable car insurance. They cater not just for modified vehicles but for all kinds of drivers. By customising policies to fit your specific needs, they aim to keep your insurance rates fair while providing great coverage.

Criteria Specialist Providers Mainstream Providers
Expertise in Modifications High Low to Medium
Policy Tailoring Customised Generic
Acceptance of Extensive Modifications Yes Limited or No
Premium Costs Competitive High

Modifications That Impact Insurance Costs

Modifying your car and its impact on insurance costs is vital to understand. We will look at the effects of performance upgrades and better security on your policy.

Performance Enhancements

Insurance for performance upgrades can make your premiums shoot up. Adding turbo or supercharging can lead to a 132% increase with some insurers. However, with Keith Michaels, this rise is only 20%. Changing your transmission or gearing might normally increase your insurance by 63%, but with Keith Michaels, it doesn’t change at all.

Let's see how different upgrades can change your insurance costs:

Modification Standard Insurers Keith Michaels
Turbo/Supercharging 132% 20%
Transmission/Gear Changes 63% 0%
Exhaust Changes 26% 5%
Air Filters Alteration 25% 5%

Changes like body kits, roll bars, and better brakes can also raise your premiums. But, with Keith Michaels, these increases might be lower.

Security Upgrades

Adding security can lower the costs related to other upgrades. Extra locks and immobilisers, for example, can cut your insurance. Winter tyres are liked by insurers as they make driving safer. Better security can reduce theft risk and lower your insurance costs too.

Let's see how improving security can change your premiums:

Upgrade Standard Insurers Keith Michaels
Roll Bars/Roll Cages 41% 15%
Suspension Changes 25% 5%
Alloy Wheels 8% 0%

Choosing the right security for your car is a smart choice. Good security means you can customize your car without a huge price increase on your premiums.

The Role of Security in Insurance Prices

Securing your modified car well can lower your insurance cost. Use anti-theft measures and park safely to save money. Insurers give good discounts for these efforts.

Use immobilisers, trackers, and more locks to protect your car from theft. This reduces the chance of it being stolen. Insurers often cut your costs if you use these security devices.

How to Securely Park Your Modified Car

Parking in safe places like garages or well-lit areas can lower your insurance. It deters thieves and keeps your car safe. This means you pay less, especially for big changes to your car.

Modification Standard Insurance Increase Keith Michaels Increase
Turbo/Supercharging 132% 20%
Transmission Change 63% 0%
Exhaust Changes 26% 5%
Air Filter Modifications 25% 5%
Uprated Brakes 36% 5%
Alloy Wheels Increased Premium* 0%
Tinted Windows 16% 0%

By using security discounts and choosing good safety measures, you can save a lot on insurance.

In the United Kingdom, those who love tweaking their cars must follow certain UK vehicle modification laws. These laws are there to keep you and others safe on the road. They come from the Road Traffic Act 1988, the Road Vehicles (Construction and Use) Regulations 1986, and the Motor Vehicles (Approval) Regulations 2001.

When you make big changes like swapping the engine or changing the chassis, making sure your car passes the IVA compliance test is key. This test checks if your car is safe and eco-friendly enough to go on the road. If it doesn't pass, it might fail the MOT test too.

Even if you're just updating the lights or adjusting the suspension, there are rules to follow. Your lights need to be the right brightness, colour, and in the right spot. Suspension changes must keep your car at the right height to drive safely.

“Not sticking to rules about noise, emissions, what's visible, and how the car is built can bring big fines or losing your car.”

Letting your insurance know about these changes is also very important. If they don't know, your insurance might not help you if something goes wrong. Plus, telling the DVLA about modifications, like changing your wheels, is a must do. This makes sure your car is still legal and safe.

Modification Type Required Action
Engine Swaps Approval from DVSA & IVA compliance
Lighting Changes Must meet UK regulations on output and placement
Suspension Adjustments Adhere to ride height limits
Exhaust Modifications Follow noise rules to avoid fines

To sum up, knowing and following the UK vehicle modification laws means you're driving safe and legal. It helps you stay away from fines and keeps others safe too. Changing your car is cool, but it needs to be done the right way.

Choosing Cost-Effective Initial Modifications

Starting on your car upgrade journey is thrilling but can also make you worry about the cost. It's crucial for newbies to pick the right upgrades. These should improve how your car looks and performs but without making your insurance too expensive. Learning about how these first changes affect your insurance costs is very important.

Performance vs Aesthetic Upgrades

Upgrades that boost performance, like better wheels and tyres, usually increase insurance costs less. But, if you add things like chip tuning or turbocharging for more power, your insurance could go up by a lot. On the other hand, if you just want your car to look better, simple things like a tasteful body kit or a unique paint job won't affect your insurance so much.

Let's compare how various modifications change your insurance costs:

Modification Standard Insurer Increase Specialist Insurer (Keith Michaels) Increase
Turbo/Supercharging 132% 20%
Complete Body Kit 57% 10-15%
Suspension 25% 5%
Light Changes 12% 0%
Custom Paintwork 15% 10%

Beginner-Friendly Modifications

For newcomers, it's smart to look at smaller upgrades that don’t break the bank. Things like better tyres, brake pads, or tweaks to how your car looks can be very affordable. They also won't make your insurance much more expensive. Adding security features, like an immobiliser, not only makes your car safer but can also lower your insurance costs.

Make sure to tell your insurance company about all changes you make. Insurers like Keith Michaels offer insurance that fits your car’s specific upgrades. This way, you can do upgrades within your budget while making sure you're covered and safe.

Common Modified Car Models and Insurance

Owners of popular modified car models often face tricky car insurance issues. Cars like the Honda Civic and Volkswagen Golf are often changed by their owners. These changes can alter insurance costs and how much the car is worth later.

The Honda Civic and Volkswagen Golf are loved among those who enjoy cars. When these cars are tweaked, it might cost more or less to insure them:

  • Engine Size Increases: Bigger engines usually mean paying more to insure the car, about 70-80% of the time.
  • ECU Remapping: If remapping boosts a car's power, premiums may rise accordingly.
  • Exhaust System Upgrades: Installing a new exhaust can sometimes mean paying a bit more.
  • Body Kits: Fancy bodywork can up premiums by 10-15%.
  • Interior Modifications: New or redone seats might bump up insurance by 5-10%.
  • Cosmetic Changes: Adding unique paint or decals can raise premiums by 5%.

Detailing more, here's how some mods affect insurance costs on Civics and Golfs:

Modification Impact on Insurance Premium
Engine Size Increase 70-80% increase
ECU Remapping Proportional to horsepower increase
Cold Air Intake Minimal impact
Exhaust System Upgrade Slight increase
Body Kits 10-15% increase
Short Shift Kits 5-10% increase
Seat Reupholstery 5-10% increase
Custom Paint Job Up to 5% increase
Alloy Wheels Depends on theft risk
Engine Downsizing Decrease

Impact on Resale Value

Modifications also change how much a car is worth when you sell it. For Civics and Golfs that have been modified, this is especially important:

  • Aesthetic Enhancements: Big changes to the look might not increase how much someone is willing to pay.
  • Performance Upgrades: Smart tweaks can draw in buyers who want better performance from their cars.
  • Safety and Reliability: Changes that make a car safer or more secure might make it more appealing to buyers.
  • Market Demand: Boosting a car's performance can increase its worth if there's a strong market for those kinds of cars.

Making balanced choices is vital. Opt for mods that not only lower your insurance but also raise the car's value when you sell.

The Importance of Declaring All Modifications

Knowing why you must tell your insurer about any changes to your car is crucial. Many people, especially those aged 45-54, are changing their cars. But, 52% of them don't know they should tell their insurer. This mistake can mean big trouble, like your policy becoming invalid or your claims being denied. These are the serious results of not being open about car changes.

What Needs to Be Declared

Everything you change in your car must be declared. This is important, whether it's making your car faster or just looking better. Things like adding a turbo or making changes to the engine can really affect your policy. Plus, even changes that just change the look of your car, such as adding cool lights underneath or very dark window tints, can also cause problems. You might have to pay more or your policy might not be any good anymore.

Consequences of Non-Disclosure

Not telling your insurer about all the changes to your car can lead to serious issues. For example, switching from ordinary wheels to special ones or putting better brakes can raise the value or the risk of your car. If your insurer doesn’t know about these changes, they might not help you when you need to make a claim. Some changes, like adding stuff to make your car go faster or removing pollution controls, can even make your car illegal to drive in the UK. This would make your insurance cancel, leaving you in a tough situation.

Modification Type Impact on Insurance
Turbo Engines and Engine Remaps Can void insurance policies entirely
LED Under-Car Lights Can increase premiums by up to 132%
Alloy Wheels Likely to result in increased premiums
Carbon Ceramic Brakes Increase vehicle value, leading to higher premiums
Tinted Windows Policy invalidation if blocking over 70% of light
Nitrous Oxide May render the vehicle legally undriveable

To prevent these issues, always tell your insurer about changes to your car. Being honest protects you. It makes sure your policy fits your car’s true condition and value. This keeps you safe from the trouble that comes with not telling the truth about your car adaptations.

Advantages of Using a Specialist Provider

Choosing a car insurance provider like Greenlight Insurance sets you apart. They focus on covering modified cars, offering unique benefits to owners. Their expertise means you get insurance that truly fits your car's enhancements.

Expert Knowledge of Modified Vehicles

Greenlight Insurance knows all about modifications, with years of experience since 1996. They have a 4.7*/5 Trustpilot rating, showing how much customers value their service. Unlike other insurances, they value and cover all modifications extensively.

They look beyond just the standard view of your car, recognising its unique features. This includes alterations such as suspension upgrades, induction kits, alloy wheels, and roll cages.

Benefits of Custom Insurance Policies

Specialist providers create policies tailored for modified cars, ensuring they understand and value your additions. Greenlight Insurance specifically works with modified car owners for over 25 years.

This personal touch is not something you'd get with typical insurers, often undervaluing your car's worth. This could lead to problems claim-wise if your car is written off.

Also, disability car insurance specialists may offer faster breakdown service with experts who understand your situation.

Specialised insurance highlights why custom policies are crucial. It ensures all your specific needs, like lifts or hoists, are covered. This way, you know you're fully looked after.

Feature Specialist Providers Mainstream Providers
Knowledge of Modifications Comprehensive and Detailed Limited Understanding
Policy Customisation Highly Customisable Standardised Policies
Replacement Coverage Like-for-Like Replacement Standard Part Replacement
Customer Ratings (Greenlight Insurance) 4.7*/5 Varies
Prioritised Breakdown Service Available Not Typically Available

Tips for Maintaining Your Modified Car

Looking after your modified car is vital for top performance. It also helps keep your insurance costs down. Here are some tips to keep your custom car in great shape, and safe from theft and harm.

Regular Servicing Guidelines

For your tuned-up car, it's crucial to service it well and often. Make sure to check fluids, keep brakes in good shape, and replace tyres when needed. Using top-notch products in service can make your car mods last longer. Servicing not only makes your car run better but can also lower your insurance costs.

Keep an eye on upgrades like chip tuning and turbocharging to avoid issues. And it's smart to log all your service visits for your insurance history.

Protecting Your Car from Theft and Damage

It's important to add the latest security to keep your car safe from thieves. Immobilisers, alarms, and GPS trackers can lower the chance of theft, potentially reducing your insurance costs.

How you park your car matters, too. Parking in a locked garage or a secured lot helps protect it from theft and the elements. This care not only safeguards your car but could also help you get cheaper insurance over time.

Insurance companies like cars that meet UK safety and environmental standards after being modified. Pairing safe parking with regular service checks and strong security gives a complete care plan for your custom ride.

Maintenance Aspect Benefits
Regular Fluid Checks Optimises engine performance and longevity
Brake Maintenance Ensures safety and meets insurance standards
High-Quality Tire Replacements Improves how your car handles and performs
Security Features Installation Lessens the chance of theft and could bring down insurance costs
Secure Parking Reduces theft and damage risks, leading to fewer insurance claims


Getting insurance for your modified car is critical. In the UK, this kind of insurance is key to protect your customised car fully. To get the right cover, closely look at your insurance options. This way, your car's special tweaks are covered, giving you peace of mind.

It's crucial to tell your insurer about all modifications. Changes that affect safety, handling, or how well you can see may increase your premium. But, hiding these changes is a bad idea. It could lead to not getting paid or your policy being cancelled. Always be honest. This makes the insurance process smoother and protects your car better.

Also, keep your car in great shape. Document all changes and their costs too. Quality modifications can lower your insurance cost. They show that your car is worth a higher amount now. But know, not all changes will affect your premium the same way.

Remember, protecting your modified car is about making smart choices. Understand the true value of your changes. Then, balance this against the risks. This way, your unique car gets the right kind of insurance.

If you're interested in how car changes can affect your insurance, check out this detailed guide on car modifications and insurance.