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…
Benefits of Comprehensive Modified Car Insurance
Comprehensive is the best insurance for modified cars and the best coverage you can find. We usually recommend this level of protection for all modified vehicles, as more often than not modified also means high value, due to the sheer amount of investment that goes into modding your car. It also includes third party, fire & theft and will normally include the cost of repairing or replacing your motor if it’s damaged maliciously or if you’re involved in an accident. Modified car insurers often include other benefits in their comprehensive policies, such as windscreen cover, breakdown, extended coverage for driving abroad, and even a courtesy car if your vehicle is in for repairs.
It’s also important to remember that without valid car insurance, you could face fines or a driving ban if you’re caught, not to mention that if you’re in an accident you could lose your vehicle altogether. The only time that modified car insurance is not required is if your vehicle is registered as off-road with a Statutory Off-Road Notice (SORN).
Valuing Your Modified Car
We would usually recommend a ‘guaranteed value policy’ as the best insurance for modified cars, as opposed to the more commonly used market value. It’s common for owners of customised, rare or high value vehicles to go for this type of policy as in the event of a total loss, it would pay out a pre-arranged sum that was agreed at the inception, rather than whatever the market price is at the time. You’re likely to be required to obtain a valuation certificate from an independent expert to confirm the vehicles value.
Determining the true value of any performance or modified car can be complicated! If it’s an unusual vehicle and parts are hard to source/or very expensive, the cost of repair or replacing with specific parts can be rather high. All modifications, including alternative replacement parts (where original parts were not available), should be disclosed to the insurer. Which is another reason why obtaining an agreed valuation, rather than relying on unpredictable market price is usually the better option.
It’s common for modified car insurers to request photographs of your vehicle (exterior, interior and even the engine). It’s also recommended that you keep copies of any receipts from any modification parts and work, because they can be used to help prove your vehicle’s value.
Get Cheap Modified Car Insurance Quotes
Whatever your requirements for your modified motor, 1st Choice offers excellent customer service and is here to help. We offer quick quotations, competitive pricing, instant coverage, and all your car insurance for modified cars documentation straight into your inbox.
Our team believes that everyone deserves the best cheap modified car insurance policies, which is why we try to offer great value for money. Call us today on 01743 770 500 or complete our Get a Quote Form to request a call back.