Modified Car Insurance
Finding cheap modified car insurance can be quite the headache, our team can use their expert knowledge of the modified car insurance market to ensure you get the coverage you need for your vehicle at the right price. With experience in finding our clients the best insurance for modified cars, we can advise on the perfect protection for your needs.
We’re Modified Car Insurance Experts
Here at 1st Choice, we know that modified car owners can be completely devoted to their pride and joy, especially when they have invested so much time and money in customising their perfect ride. So, whether you drive a Honda Civic, Subaru Impreza, Mitsubishi Evo or even a Ford Mustang, our specialist team is here to help.
Our award-winning team will be able to advise you on the best possible protection options that are available to you, from both the well-known brands and specialist modified car insurers. As with all insurance policies, it is important to carefully check your modified car insurers policy wording to check that it is suitable for all your requirements.
What do insurance companies’ class as modifications?
Any and all modifications from the vehicle’s factory issued standard must be declared to your modified car insurers, otherwise you risk invalidating your cover.
Any alterations made to a car that changes its appearance or performance are classed as ‘modification’, e.g. adding a spoiler or roll cage, tuning the engine, suspension or steering; replacing standard issue wheels with alloys etc. could be reflected in the premium. It could also include something as simple as fitting a tow bar, or other visual changes to the vehicle’s bodywork like body kits, vinyl wraps and window tinting.
If your car’s engine has been modified or remapped to reach higher speeds in a shorter space of time, your risk of having an accident is greater than if you were travelling in a lower-performance car, and this can have an effect on your premium too. This is why car insurance for modified cars can often represent better value.
Other modifications could include converting your boot space to accommodate a sound system, or even removing or swapping out existing seats from a vehicle can be seen as a modification and must be notified to your insurer. A bespoke modified car insurance considers this upfront.
Making sure your car has the correct modified car insurance could be the difference between a pay-out, or huge loss. Don’t be put off though, as often rates are lower than people might think, and many policies don’t include cosmetic modifications when calculating premium. If you’re unhappy with the price you pay for your current car insurance for modified cars, get a quote from us today!
Got a Modified Van? Check out our Modified Van Insurance here…