MODIFIED CAR INSURANCE
Best Hassle Free Performance/Premium Car Insurance For you
PROTECT YOUR MODIFIED CAR WITH SIGNATURE INSURE
Looking to secure the best insurance for your modified car? Signature Insure has years of experience acting as a broker for owners of modified vehicles, working closely with insurers who understand your vehicle like you do.
A modified vehicle quote offers the same level of cover as a standard car insurance policy but is often as much as 50% cheaper. It is important that you secure a specialist quote if applicable to your ride.
CUSTOM COVERS FOR YOUR RIDE
We enable modified car owners to compare quotes from modified insurance companies in the UK. Our experience as a specialist insurance broker lets high net worth drivers secure the often-unique policy that is best for their modified vehicle. Like any vehicle policy, your cover can be third party, third party, fire, and theft or comprehensive.
Drivers may add optional extras such as:
- Windscreen cover
- Breakdown cover
- Courtesy car
- Salvage retention
MODIFIED CLASSIC CAR INSURANCE
Insurers give favourable premiums to modified classic car owners, as often their changes will be to make the car safer to drive or more secure. Savings are particularly noticeable if a model is 1995 or earlier or with a value more than £40,000. Typical vintage car owners also do limited mileage and tend to drive their asset cautiously.
MODIFIED VAN INSURANCE
Van owners may choose to modify their car for performance, cosmetics, work, or leisure. There are four types of cover that you can choose from:
- Social
- Social and commuting
- Own goods
- Carriage of goods for hire and reward
In all cases, owners will need a modified van insurance quote. As with most modified vehicle policies, this increase is from simply adding to the costs of a potential claim.
CLASSIC CAR POLICY EXTRAS
Many classic car owners want peace of mind from adding extras that align with how they want to enjoy their prized motor, and the protection they need to do so.
WHAT IS COVERED:
Body kit
Interior LED lighting
WHAT IS NOT COVERED:
ILLEGAL MODIFICATIONS THAT INSURERS WILL NOT COVER INCLUDE:
- Illegally Tinted Windows – Although many like the look, having completely blacked out windows is against the law in the UK. The windscreen cannot be any less than 75% tint free, while side windows must be 70% tint free. The vehicles occupants must be visible.
- Neon and Tinted Lights – Neon head lights are deemed to be a distraction for fellow road users. You may add neon light tubing to the underside of a car if not too bright. Avoid coloured tints to your main headlights beyond the standard white and yellow at the front and red at the back.
- Illegal Spoilers – Spoilers are not illegal but can be a problem if improperly or carelessly fastened to the car. Spoilers or wings are also be deemed dangerous if they have sharp edges or obstruct a driver’s view.
Illegal Engine Modifications – Whilst performance tuning by experts may be fine, certain engine modifications can be dangerous. - Loud Exhausts and Illegal Changes – An exhaust may not exceed 74 decibels. All vehicles are ‘type approved’ before sale to the public, so only a modification will cause the noise to exceed this. Changes that make a car more damaging to the environment are also forbidden.
WHAT CAN IMPACT A MODIFIED CAR INSURANCE QUOTE?
Most car or van modifications will increase the price of a car insurance quote. This is usually because they add value to the vehicle and payout in the event of a claim. Other changes to the vehicle may be judged by insurance companies to make it more susceptible to crime or accident.
Car modifications insurance premiums can be positively or negatively impacted by the alterations covered below.
Although not classed as a modification, adding another layer of security can reduce the cost of your modified car insurance premiums, including:
- Safety locks.
- Immobilisers.
- Tracking devices that help to mitigate theft.
- Secure or off-street parking.
COULD ADD TO PREMIUM:
COULD REDUCE PREMIUM:
CONTACT US TODAY FOR A FREE CONSULTATION
Protect your car with our tailored modified car insurance! Get the coverage you need for upgrades, performance parts, and unique modifications. Get a quote today.
FAQs
Find answers to commonly asked questions about Modified car insurance.
What Car Modifications do I Need to Inform my Insurer about?
What happens if you don’t tell your insurance about modifications?
Do you have to declare alloy wheels on insurance?
If your allows were not fitted from the manufacturer, it will change the value of the car they have registered. You need to inform the insurer if they were fitted post purchase.