Modified Car Insurance That Values Your Upgrades
Find specialist cover from providers who understand performance vehicles and value your modifications properly.
• Compare quotes from insurers experienced with modified cars
• Get clear explanations of how your mods affect your premium
• Protect your investment with policies designed for performance vehicles
Getting the right insurance for your modified car
Modified car insurance is specialist cover designed for vehicles that have been altered from their factory specification. Common modifications include engine upgrades, aftermarket body kits, performance exhausts, and suspension changes. Standard car insurance policies often won't properly cover these changes, which means your modifications might not be valued correctly if you need to make a claim. Compare the Market helps you find specialist insurers who understand modified vehicles and can provide cover that reflects the true value of your car and its non-standard parts.
Clear valuations and transparent pricing for your modified car
When you've invested in modifications, you need an insurer who understands what your car is worth and how they'll price your cover. Comparing specialist modified-car insurers helps you find policies with agreed value cover that protects your modifications at a fair valuation, plus clearer criteria on how different mods affect your premium. That means fewer surprises when it comes to pricing and better protection if you need to make a claim. Our comparison rankings are never influenced by commission, so you can be confident you're seeing a fair range of options for your modified vehicle.
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Modified car insurance FAQs
Get answers to common questions about insuring modified cars, from what counts as a modification to specialist cover options.
Read our FAQsWhat counts as a car modification for insurance?
A modification is any change from the manufacturer's original specification. This includes performance changes like engine tuning or remaps, upgraded exhaust systems, and suspension alterations. It also covers cosmetic changes such as body kits, spoilers, custom paint, alloy wheels, or tinted windows. Even small changes can count, so it's worth checking with your insurer if you're unsure.
Why does modified car insurance sometimes cost more?
Premiums can be higher because insurers see modifications as potentially increasing risk. Performance changes may affect how the car is driven, some modifications make cars more attractive to thieves, and specialist parts can cost more to repair or replace. That said, not all modifications will push your price up, and some insurers specialise in modified car cover and may offer better rates.
What is an agreed value policy for a modified car?
An agreed value policy means you and your insurer agree on your car's value upfront, rather than relying on market value at the time of a claim. This can help reflect the money you've invested in modifications. You'll usually need to provide evidence such as photos, receipts, or a professional valuation. If your car is written off, you'll receive the agreed amount.
Do I need to declare modifications to my insurer?
Yes, you must tell your insurer about all modifications, including cosmetic ones. Declare them when you get a quote, at renewal, and whenever you make changes to your car. Failing to declare modifications could mean your insurer refuses to pay out on a claim or cancels your policy. Being upfront from the start means you're properly covered.
How can I find insurers who cover modified cars?
When you compare car insurance quotes with Compare the Market, you can find providers that offer cover for modified cars. Simply answer the questions about your vehicle's modifications during the quote process, and we'll show you quotes from insurers who can cover your car. Make sure you provide accurate details about all modifications to get quotes that reflect your specific needs and help you find the right cover.
Compare specialist modified car insurance quotes
Our comparison service helps you find specialist cover designed for modified and performance vehicles. You'll get access to tailored protection for your modifications, wider policy choices from specialist insurers, and competitive prices in one place. Start comparing quotes now to find the right cover for your car.