Modified Car Insurance
Find the right cover to suit you.

Failing to disclose modifications may void your policy. As a result of your policy being voided, you will likely be classed as ‘driving uninsured’. For more on voided policies, read our guide: ‘Insurance Refusals, Cancellations, and Voided Policies’.

If an accident occurs, your claims may be denied, and your insurer may cancel your policy, leaving you responsible for paying the costs.

Coverage for modifications depends on an insurer’s approval. Insurers generally accept modifications that improve safety, are purely cosmetic, or do not significantly increase risk. 

For example, modifications, such as neon underglow lighting, nitrous oxide systems, and excessively tinted windows, will not be eligible for coverage. However, some modifications, such as performance upgrades or significant bodywork changes, can be accepted but may result in higher premiums or adjusted excess amounts.

The most common modifications that an insurer may accept are:

• Cosmetic modifications such as alloy wheels, body kits, spoilers, custom paintwork, wraps, tinted windows, and decals.
• Performance enhancers include turbochargers, superchargers, cold air intakes, performance exhaust systems, brake upgrades, suspension changes, and engine remaps.
• Interior upgrades include custom seats, upholstery, modified dashboards, and upgraded sound or entertainment systems.
• Safety modifications, including parking sensors and upgraded brakes.

If you’re unsure if your vehicle’s modifications are covered, don’t worry. Our teams will review the coverage suitable for your vehicle during the insurance application process. 

Yes, age plays a role in modified car insurance. Drivers aged 25 to 70 generally have more flexibility with accepted modifications, while younger drivers face stricter rules due to higher perceived risk. 

Our insurers will assess risk individually, so modifications are evaluated on a case-by-case basis. For expert guidance on insuring your modified car, call us at 0800 107 0912. We’ll help you find the right policy for your needs.