Modified Car Insurance

Modified Car Insurance from Lancaster Insurance Services

Car modifications are often associated with improving a vehicle’s performance, thus increasing the risk on the road.

This will usually incur a higher insurance premium and highlight the need to shop around.

We understand that drivers want to improve the look of their vehicle and will ensure it is kept in the best possible condition.

Lancaster Insurance Services work with a panel of specialist insurers in the modified market, saving you the time and money calling various insurance providers.

We strive to save you money. 

Our friendly team are on hand to provide help on how your car modifications will affect the price you pay for insurance!

Find a policy that suits your circumstances, and can offer some great benefits to complement your cover.

Optional benefits include:

  • Accidental damage cover.
  • Breakdown recovery.
  • Agreed value.

What are the most popular types of car modification?

Performance upgrades

  • Engine tuning
  • Turbochargers
  • Superchargers
  • Performance exhaust systems
  • Performance air filters
  • Performance suspension components

The purpose of these upgrades is to improve the car's power output, handling, and overall driving experience.

Aesthetic modifications

  • Custom paint jobs
  • Body kits
  • Aftermarket wheels
  • Spoilers
  • Window tinting
  • Decals/stickers

The purpose is to personalise the car's appearance and make it stand out.

Interior upgrades

  • Racing seats
  • Custom upholstery
  • Upgraded audio systems
  • LED lighting
  • Aftermarket steering wheels

The purpose is to enhance the comfort, functionality, and style inside the car.

Suspension and handling modifications

  • Lowering springs
  • Coilovers
  • Sway bars
  • Strut braces
  • Upgraded bushings

The purpose of this modification is to improve the car's handling, cornering, and overall driving dynamics.

Brake upgrades

  • High-performance brake pads
  • Upgraded brake rotors
  • Stainless steel brake lines
  • Performance brake fluid

The purpose is to enhance the car's stopping power and reduce brake fade during high-performance driving.

Tires and wheels

  • Upgraded tires with better grip
  • Wider wheels for increased contact patch
  • Lightweight wheels for reduced unsprung weight

The purpose of this content is to improve the car's traction, stability, and overall handling.

Weight reduction

  • Removing unnecessary components
  • Replacing heavy parts with lighter materials (e.g., carbon fibre or aluminium)
  • Using lightweight racing seats

The purpose is to decrease the car's overall weight, improving acceleration, handling, and fuel efficiency.

Lighting upgrades

  • HID or LED headlight conversions
  • Aftermarket taillights
  • Underglow kits

The purpose of this upgrade is to improve visibility, safety, and the overall appearance of the car.

Electronic modifications

  • Engine management systems
  • Performance chips
  • Various monitoring devices (e.g., boost gauges, wideband O2 sensors, and data loggers)

The purpose of this modification is to optimise and monitor the car's performance, ensuring it runs efficiently and reliably.

Does a modified car cost more to insure?

Modified cars are often seen as a more significant risk by insurance companies, primarily because alterations can increase the vehicle's performance, value, and potential for theft.

When modifications enhance a car's speed or power, it may be perceived as more likely to be involved in an accident, leading to higher insurance premiums.

The extent and type of modifications made to a car also play a significant role in determining insurance costs. For instance, performance-enhancing modifications, such as turbochargers or suspension upgrades, can have a more substantial impact on insurance premiums compared to cosmetic changes like custom paint jobs or alloy wheels.

Furthermore, modifications made to improve security, such as installing an alarm system or immobiliser, might even help reduce insurance costs.

What car mods have to be declared to insurance?

When it comes to car modifications, it's essential to know what car mods have to be declared to insurance to avoid any complications or coverage issues.

Modifying your vehicle can be an exciting way to personalise and enhance its performance, but it's crucial to inform your insurance provider of any changes made to ensure you're adequately covered.

In general, any alteration that affects your car's performance, value, safety, or appearance should be declared.

What happens if you don't declare car modifications?

For starters, it can result in the invalidation of your modified car insurance policy. Insurance providers calculate premiums based on the vehicle's specifications, and any undisclosed modifications can significantly alter the risk assessment.

In the event of a claim, insurers may refuse to pay out, leaving you financially liable for damages and potential legal repercussions.

To ensure compliance and avoid unnecessary complications, always declare any modifications to your vehicle.

How does modified car insurance work?

Modified car insurance takes into consideration the unique risks associated with owning a modified car, such as increased likelihood of theft or higher repair costs due to custom parts.

What does modified car insurance cover?

Modified car insurance is a specialised form of coverage designed to protect vehicles that have been altered from their original factory specifications. But what does modified car insurance cover exactly?

In general, it offers protection for the unique features and enhancements made to your vehicle, ensuring that you're not left out of pocket in the event of an accident or theft.

Modified car insurance typically covers modifications such as custom paint jobs, performance upgrades, aftermarket parts, and specialised accessories.

By choosing a policy that caters to your unique needs, you can drive with confidence knowing that your prized possession is protected against unforeseen incidents.

What does modified car insurance not cover?

Modified car insurance does not cover modifications that are illegal, undisclosed, or do not comply with safety regulations. If the modifications increase the likelihood of theft, the insurance provider may not cover the losses.

Furthermore, insurance for modified cars may not provide coverage for personal injuries or damage to third-party property resulting from the modifications.

How we could save you money

Getting a great deal on your car insurance can be a real challenge and we feel you need all the help you can get to get you the best package and a great price.

We have listed key factors to remember and handy tips for how to reduce the cost of your premium.

Limited mileage

We offer a discount to limited mileage drivers, so if this applies to you please let us know and we can switch you onto a Limited Mileage policy where you can save money on your premium.

Car club member?

If you are a member of a car club, this automatically entitles you to a discount.

If you are not already in one, we encourage you to join a car club to reap the rewards immediately!

Alternatively, you can telephone us on 01480 484826 to discuss your specific classic car insurance requirements.

Available Benefits at a Glance:

  • Limited Mileage Discount Available
  • Owner’s club discounts
  • Track Day/Rally Cover
  • 24 Hour Claims Helpline
  • UK Based Call Centre
  • Approved Repairer Network

How to get a quote?

To get a quote for your modified vehicle or to receive an online quote for any of our other insurance products, you can get a modified car insurance quote through our website by clicking here.

If you would like to talk to one of our modified car insurance specialists, you can give us a call on 01480 484 826 to receive more information

Most insurers do permit policyholders to make modifications during the policy period, as long as they are informed of the changes and assess any potential impact on coverage or premiums.

If you find yourself in a situation where your newly purchased vehicle already has modifications, it's important to understand the implications and potential challenges that may arise. It could impact your insurance, performance, and overall safety.

For instance, certain modifications may not be street-legal or could lead to higher insurance premiums due to increased risk. Additionally, unauthorised alterations could void the manufacturer's warranty, leaving you responsible for costly repairs.