Modified car insurance is a specialized type of coverage that caters to the needs of car owners who have made modifications to their vehicles. These modifications can range from performance enhancements to cosmetic changes, and they often require a different level of insurance coverage due to the increased value and unique risks associated with modified cars. In the UK, there are several insurance companies that understand the needs of modified car owners and offer tailored policies to protect their investments. In this blog post, we will explore the top 10 modified car insurance companies in the UK, highlighting their key features and benefits. Whether you are a car enthusiast who loves customizing your ride or simply want to ensure that your modified vehicle is adequately protected, this list will help you find the right insurance provider for your needs.

Modified Car Insurance - Brentacre Insurance

When it comes to insuring your beloved modified car, Brentacre Insurance stands out as a top choice. With their specialized Modified Car Insurance policy, they understand the unique needs of car enthusiasts who have made modifications to their vehicles. The policy covers all makes and models of modified cars, ensuring that no matter what modifications you make, your premium won't change.

One of the standout features of Brentacre Insurance is their premium calculation process. Instead of basing premiums on other mechanical or cosmetic modifications, they calculate them based on power, value, and the driver's profile. This means that you can freely customize your car without worrying about skyrocketing insurance costs.

Brentacre Insurance also offers a range of benefits to their customers. They provide coverage for engine swaps, which is a crucial feature for those who have upgraded their car's performance. Additionally, they offer key cover, ensuring that you are protected in case of lost or stolen keys.

For those who drive their modified cars sparingly, Brentacre Insurance provides limited mileage discounts. This means that if you use your car less frequently, you can enjoy even lower insurance premiums.

Furthermore, if you have invested a significant amount of money into modifying your car, Brentacre Insurance offers agreed values. This means that in the event of a total loss, you will be compensated based on the agreed value of your car rather than its market value. This is a valuable feature for modified car owners who want to ensure that their investment is fully protected.

It's worth mentioning that Brentacre Insurance doesn't limit their coverage to just modified cars. They also offer insurance for other modified vehicles such as campervans and performance cars. This makes them a versatile choice for car enthusiasts who own different types of modified vehicles.

In conclusion, Brentacre Insurance's Modified Car Insurance policy offers comprehensive coverage and tailored benefits for owners of modified cars. With their unique approach to premium calculation and the range of additional features they provide, they prioritize the needs of car enthusiasts and ensure that their modified vehicles are adequately protected. If you're looking for reliable insurance for your modified car, Brentacre Insurance is definitely a provider to consider.

Click here to visit Brentacre Insurance and learn more about their Modified Car Insurance policy.

Modified Car Insurance - Adrian Flux

Adrian Flux is a leading provider of specialized modified car insurance, catering to individuals who have made modifications to their vehicles. With their comprehensive coverage, they understand the unique needs of modified car owners and offer tailored policies to ensure that your modified car is adequately protected.

One of the standout features of Adrian Flux's Modified Car Insurance is their coverage for modifications. They recognize that modified cars often require unique repairs or replacements, and their policy ensures that even if your vehicle needs to be rebuilt, you will be compensated for its true value. This is a crucial benefit for those who have invested time and money into enhancing their car's performance or appearance.

Adrian Flux also takes into account various factors when calculating premiums. They consider limited mileage, which means if you don't drive your modified car frequently, you can enjoy lower insurance costs. They also provide coverage for modifications done by the policyholder, acknowledging that many car enthusiasts prefer to work on their cars themselves.

Additionally, Adrian Flux understands the sense of community among car enthusiasts and offers coverage for membership in car clubs. This can provide additional benefits and discounts for policyholders who are part of recognized car clubs.

One of the notable features of Adrian Flux's Modified Car Insurance is their coverage for young drivers. They recognize that young car enthusiasts may have modified vehicles and offer insurance options that cater specifically to their needs. This is a valuable offering, as young drivers often face higher insurance premiums due to their age and lack of driving experience.

Furthermore, Adrian Flux provides coverage for adapted vehicles and wheelchair accessible vehicles. They understand that modified cars are not limited to performance enhancements or cosmetic changes, but can also include modifications to accommodate individuals with disabilities. This inclusive approach makes Adrian Flux a reliable choice for those with adapted or wheelchair accessible vehicles.

In conclusion, Adrian Flux's Modified Car Insurance is a comprehensive and flexible option for owners of modified cars. With their coverage for modifications, consideration of limited mileage, support for car club memberships, and specialized policies for young drivers and adapted vehicles, they cater to the diverse needs of modified car owners. If you are looking for insurance that understands and protects your modified car, Adrian Flux is an excellent choice.

Visit Adrian Flux's website to learn more about their Modified Car Insurance and find the coverage that suits your needs.

Modified Car Insurance - Greenlight Insurance

Greenlight Insurance has been a trusted provider of modified car insurance since 1996, offering specialized coverage for vehicles that have been modified or upgraded from their original specifications. With their expertise in this field, they understand the unique needs of modified car owners and provide comprehensive and tailored policies.

Greenlight Insurance's Modified Car Insurance covers a wide range of modifications, including both performance and non-performance enhancements. Whether you've made engine upgrades, body modifications, suspension changes, or any other type of modification, Greenlight Insurance has you covered. This ensures that your modified car is protected, regardless of the modifications you have made.

One of the standout features of Greenlight Insurance's Modified Car Insurance is their commitment to providing benefits that cater to the needs of modified car owners. In the event of a claim, they offer like-for-like replacement of modified parts, ensuring that you can restore your car to its modified state. They also provide a courtesy car, so you won't be left without transportation while your car is being repaired.

Greenlight Insurance understands that modified cars often have unique features, such as upgraded audio systems, and they offer audio cover to protect these valuable additions. Additionally, they provide windscreen cover, ensuring that even if your modified windscreen needs to be replaced, you will be covered.

For those who are part of car clubs, Greenlight Insurance offers car club discounts. This can provide additional savings on your insurance premiums, recognizing the sense of community and shared enthusiasm among car enthusiasts.

If you're a modified car owner who tends to drive your vehicle less frequently, you can benefit from Greenlight Insurance's limited mileage discounts. This allows you to enjoy lower premiums while still maintaining adequate coverage for your modified car.

Furthermore, Greenlight Insurance provides optional track day cover for those who enjoy taking their modified cars to the track. This additional coverage ensures that you can fully enjoy your track experience with peace of mind.

In conclusion, Greenlight Insurance's Modified Car Insurance is a comprehensive and tailored solution for owners of modified cars. With their expertise in the field, they understand the nuances of modified vehicles and provide fair premiums and terms that reflect the impact of modifications on the vehicle. Whether you've made performance enhancements or cosmetic changes, Greenlight Insurance offers the coverage and benefits you need to protect your modified car.

To learn more about Greenlight Insurance's Modified Car Insurance and find the coverage that suits your needs, visit their website here.

Modified Car Insurance - Performance Direct

Performance Direct is a trusted specialist insurance broker that caters specifically to owners of modified cars in the UK. With their years of experience in the industry, they understand the unique needs and requirements of modified car owners, offering comprehensive coverage at competitive prices.

One of the standout features of Performance Direct's Modified Car Insurance is their ability to provide policies for various types of drivers. They offer specialized insurance for young drivers, recognizing that younger car enthusiasts may own modified vehicles. They also provide convicted driver insurance, catering to those who have had previous driving convictions. This inclusive approach ensures that modified car owners of all backgrounds can find suitable coverage with Performance Direct.

Performance Direct is known for their expertise in saving money for modified car owners. They have access to a wide range of insurers and can find the best value policies both online and over the phone. This means that they can help you secure comprehensive coverage for your modified car without breaking the bank.

When it comes to benefits, Performance Direct offers a range of options to enhance your insurance coverage. They provide a courtesy car, ensuring that you won't be left without transportation in the event of an accident or repair. Additionally, they offer personal effects coverage, protecting your belongings within the car. Medical expenses coverage is also provided, giving you peace of mind in case of any injuries sustained during an accident.

For those who plan to travel abroad with their modified car, Performance Direct offers foreign use coverage. This means that you can drive your modified car in other countries within the policy's coverage area without worrying about additional insurance requirements.

Performance Direct also includes windscreen cover in their policies, so if your modified windscreen needs to be repaired or replaced, you are covered. They also provide a protected no claims bonus, allowing you to maintain your no claims discount even if you need to make a claim.

Additionally, Performance Direct offers optional extras such as legal expenses coverage and breakdown cover. These additional features can provide added peace of mind and comprehensive protection for your modified car.

In conclusion, Performance Direct's Modified Car Insurance is a reliable option for owners of modified vehicles in the UK. With their specialization in the field, they understand the unique needs of modified car owners and offer competitive prices without compromising on coverage. Whether you are a young driver, a convicted driver, or simply someone who wants comprehensive protection for your modified car, Performance Direct can provide the right insurance solution.

To learn more about Performance Direct's Modified Car Insurance and get a quote, visit their website here.

Modified Car Insurance - Keith Michaels

Keith Michaels is a trusted provider of Modified Car Insurance, offering specialized coverage for vehicles that have undergone modifications. With over 30 years of experience, they understand the passion and dedication that goes into modifying a car, and their policies are designed to protect your hard work and investment.

One of the standout features of Keith Michaels' Modified Car Insurance is their tailored approach to coverage. They recognize that each modified car is unique, with different types of modifications ranging from suspension upgrades to engine modifications and bodywork changes. With their extensive knowledge and experience, they have specific insurance schemes in place to cover a wide range of modifications. This ensures that your modified car is protected, regardless of the modifications you have made.

Keith Michaels takes pride in having a team of brokers who are fellow car enthusiasts. They understand and appreciate the modifications you've made to your vehicle, and their expertise allows them to provide personalized service and guidance. This means that you can trust them to understand the ins and outs of your modified car and provide the best insurance options for your specific needs.

When it comes to benefits, Keith Michaels offers comprehensive coverage to give you peace of mind. Their policies include features such as coverage for modifications, ensuring that both performance and cosmetic enhancements are protected. They also provide options for agreed value, which means that in the event of a total loss, you will be compensated based on the agreed value of your modified car rather than its market value.

Additionally, Keith Michaels offers optional extras such as legal expenses coverage and breakdown cover. These additional features can provide added protection and support in unforeseen circumstances.

In conclusion, Keith Michaels' Modified Car Insurance is a reliable choice for owners of modified vehicles. With their tailored approach to coverage, extensive knowledge of modifications, and a team of car enthusiast brokers, they understand and appreciate the uniqueness of your modified car. Whether you've made performance upgrades, cosmetic changes, or both, Keith Michaels can provide the insurance coverage you need to protect your investment.

To learn more about Keith Michaels' Modified Car Insurance and request a quote, visit their website here.

Modified Car Insurance - Safely Insured

Safely Insured understands the unique needs of modified car owners and offers specialized Modified Car Insurance to protect their vehicles. With a dedicated team of experts, they can design customized insurance policies that address the specific requirements of modified cars.

One of the key considerations when it comes to modified car insurance is the increased value of these vehicles. Safely Insured recognizes this and offers coverage that takes into account the enhanced value resulting from modifications. This ensures that in the event of a claim, you will be properly compensated for the true value of your modified car.

Theft risk is also a concern for modified car owners, as these vehicles can be more attractive to thieves. Safely Insured understands this risk and provides coverage that addresses the potential for theft. This can provide peace of mind, knowing that your modified car is protected against theft and its associated risks.

Another factor that affects modified car insurance premiums is the potential for higher performance. Safely Insured takes this into consideration and offers coverage that is tailored to the unique risks associated with higher-performance modified cars. This ensures that you have the appropriate coverage to safeguard your modified car's increased performance capabilities.

Safely Insured also offers various discounts and additional coverage options for modified car owners. These can include discounts for car club memberships, limited mileage discounts for those who don't drive their modified cars frequently, and additional coverage options such as breakdown assistance or legal expenses coverage. These benefits and discounts help to provide a comprehensive insurance solution that meets the specific needs of modified car owners.

In conclusion, Safely Insured's Modified Car Insurance offers specialized coverage and tailored policies for modified car owners. With their dedicated team of experts, they understand the unique risks and requirements associated with modified vehicles. Whether it's addressing the increased value, theft risk, or higher performance, Safely Insured provides the necessary coverage and additional benefits to protect your modified car investment.

To learn more about Safely Insured's Modified Car Insurance and explore their coverage options, visit their website here.

Modified Car Insurance - Sterling Insurance

Sterling Insurance offers a comprehensive Modified Car Insurance policy that caters to vehicles that have been updated or modified from their factory standard specifications. With their expertise in the field, they provide insurance coverage for any make or model of modified car, whether it's performance enhancements or cosmetic modifications.

One of the standout features of Sterling Insurance's Modified Car Insurance is their coverage for cosmetic modifications. They understand that many modified car owners invest in enhancing the appearance of their vehicles, and their policy includes cover for cosmetic modifications valued up to £1,500. This ensures that your modifications are protected and can be repaired or replaced in the event of damage or theft.

Sterling Insurance also provides European cover options, allowing you to take your modified car on trips abroad with peace of mind. They offer coverage for up to 30, 60, or 90 days, depending on your specific needs. This means that you can enjoy your modified car while exploring new destinations without worrying about additional insurance requirements.

Legal protection is another valuable benefit offered by Sterling Insurance. Their Modified Car Insurance policy includes legal protection up to £100,000, providing coverage for legal expenses that may arise from an accident or other incidents involving your modified car. This added protection can offer financial security and support in challenging situations.

In addition to their core coverage, Sterling Insurance offers optional extras to enhance your policy. These extras include breakdown cover, providing assistance in case of a breakdown or roadside emergency. They also offer keycare, which covers the cost of replacing lost or stolen keys. These optional extras can provide additional peace of mind and convenience for modified car owners.

With prices starting from £225 per year, Sterling Insurance aims to provide affordable coverage for modified car owners. This ensures that you can protect your modified car without breaking the bank, allowing you to enjoy your vehicle with confidence.

In conclusion, Sterling Insurance's Modified Car Insurance offers comprehensive coverage and tailored benefits for owners of modified cars. With their coverage for cosmetic modifications, European cover options, legal protection, and optional extras like breakdown cover and keycare, they provide a well-rounded insurance solution. If you're looking for reliable insurance at competitive prices for your modified car, Sterling Insurance is worth considering.

To learn more about Sterling Insurance's Modified Car Insurance and request a quote, visit their website here.

Modified and Custom Vehicle Insurance - A-Plan

A-Plan provides specialized insurance coverage for Modified and Custom Vehicles, offering tailored protection for cars that have been modified since leaving the factory. With their understanding of the technical aspects of vehicle modifications, they work with insurers who consider each vehicle on its own merits to provide the best coverage at competitive prices.

One of the key features of A-Plan's Modified and Custom Vehicle Insurance is its comprehensive coverage. The policy includes coverage for accidental damage and injury, ensuring that you are protected in case of any unforeseen events. Additionally, the coverage is specifically designed to address the modifications made to your vehicle, providing coverage for the unique features and enhancements you have added.

A-Plan understands that modified car owners may drive their vehicles less frequently, and they offer limited mileage discounts to reflect this. This means that if you don't drive your modified car extensively, you can enjoy lower insurance premiums while still maintaining adequate coverage.

For those who have made significant modifications to their vehicles, A-Plan offers agreed value coverage. This means that in the event of a total loss, you will be compensated based on the agreed value of your modified car, ensuring that your investment is fully protected.

Track day enthusiasts will appreciate A-Plan's inclusion of track day cover in their Modified and Custom Vehicle Insurance. This coverage allows you to enjoy the thrill of track driving with the peace of mind that you are protected in case of any incidents that may occur during a track day.

Furthermore, A-Plan offers UK and European breakdown coverage as an additional feature. This provides assistance in case of breakdowns or emergencies, ensuring that you can continue your journey with minimal disruption.

In conclusion, A-Plan's Modified and Custom Vehicle Insurance is a specialized insurance solution for owners of modified cars. With their understanding of the technical aspects of modifications and their network of insurers, they offer tailored coverage to meet the specific needs of modified and custom vehicles. Whether you have made performance enhancements or cosmetic changes, A-Plan provides comprehensive protection, additional features, and competitive prices.

To learn more about A-Plan's Modified and Custom Vehicle Insurance and request a quote, visit their website here.

Modified Car Insurance - Lancaster Insurance Services

Lancaster Insurance Services provides specialized coverage with their Modified Car Insurance, offering protection for vehicles that have been altered from their original factory specifications. They understand the unique risks associated with owning a modified car and strive to provide comprehensive coverage that addresses those risks.

One of the key advantages of Lancaster Insurance Services' Modified Car Insurance is their understanding of the specific needs of modified car owners. They recognize that modified cars may be more susceptible to theft or have higher repair costs due to custom parts. With this in mind, their insurance policy is designed to protect the unique features and enhancements made to your vehicle, ensuring that you are not left out of pocket in the event of an accident or theft.

Lancaster Insurance Services works with a panel of specialist insurers in the modified car market, saving you time and effort in contacting various insurance providers. This allows them to offer you tailored coverage and find the best deal for your specific modified car.

In addition to their comprehensive coverage, Lancaster Insurance Services offers optional benefits to further enhance your policy. These benefits can include accidental damage cover, providing protection in case of unexpected damage to your modified car. They also offer breakdown recovery, ensuring that you have assistance in case of a breakdown or roadside emergency. Furthermore, they provide the option for agreed value coverage, which means that in the event of a total loss, you will be compensated based on the agreed value of your modified car rather than its market value.

In conclusion, Lancaster Insurance Services' Modified Car Insurance is a specialized and comprehensive solution for owners of modified cars. With their understanding of the unique risks and requirements of modified car ownership, they provide tailored coverage that addresses those needs. By working with a panel of specialist insurers, they strive to save you time, money, and hassle in finding the right coverage for your modified car.

To learn more about Lancaster Insurance Services' Modified Car Insurance and explore their coverage options, visit their website here.

Modified Car Insurance - Chris Knott Insurance

Chris Knott Insurance offers specialized Modified Car Insurance that provides comprehensive coverage for vehicles that have undergone alterations to their appearance or performance. Their insurance policies not only cover the standard aspects of car insurance but also ensure that the extra modifications you've invested time and money into are protected.

One of the standout features of Chris Knott Insurance's Modified Car Insurance is their commitment to providing highly competitive premiums. They understand that modified car owners have unique insurance needs, and they strive to offer affordable rates without compromising on coverage. This allows you to protect your modified car without breaking the bank.

The knowledgeable and experienced team at Chris Knott Insurance is another advantage of their Modified Car Insurance. They have the expertise to guide you through the insurance process, ensuring that you receive the right coverage for your modified car. Their personalized service ensures that your specific needs are addressed, providing peace of mind and confidence in your insurance policy.

Chris Knott Insurance offers a choice of policies and insurers, giving you the flexibility to select the coverage that best suits your requirements. This allows you to tailor your insurance policy to your specific needs and preferences, ensuring that you have the right level of protection for your modified car.

Exclusive discounts for car club and forum members are another benefit offered by Chris Knott Insurance. They recognize the importance of the car enthusiast community and provide additional savings for those involved in car clubs or forums. This can result in further reduced premiums, making their Modified Car Insurance even more affordable.

Furthermore, Chris Knott Insurance gives you the option to use your preferred local repairer in the event of a claim. This means that you have the freedom to choose a repairer that you trust and are comfortable with, ensuring that your modified car is repaired to the highest standard.

In conclusion, Chris Knott Insurance's Modified Car Insurance offers a range of benefits and features for owners of modified cars. With their highly competitive premiums, knowledgeable team, personalized service, choice of policies and insurers, exclusive discounts, and the option to use your preferred local repairer, they provide comprehensive coverage and flexibility to meet the unique needs of modified car owners.

To learn more about Chris Knott Insurance's Modified Car Insurance and request a quote, visit their website here.

Conclusion:

In conclusion, the top 10 modified car insurance companies in the UK offer specialized coverage and tailored policies for owners of modified vehicles. These companies understand the unique needs and risks associated with modified cars and provide comprehensive protection for the investments made by car enthusiasts. From coverage for performance enhancements to protection for cosmetic modifications, these insurance providers prioritize the specific requirements of modified car owners. They offer benefits such as coverage for modifications, limited mileage discounts, agreed value coverage, track day cover, and additional features like breakdown assistance and legal protection. With their expertise and dedication to customer satisfaction, these companies ensure that owners of modified cars can enjoy their vehicles with peace of mind. Whether you have made performance upgrades, cosmetic changes, or both, these top-rated insurance providers offer the coverage and benefits you need to protect your modified car investment.