Custom Car Insurance
This specialist field requires that every driver of a customised vehicle selects their custom car insurance partner carefully. Select policies featured on our web site offer low rates for custom, street rod, conversion, qplate and other examples of custom cars.
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Click through on the ‘Get a Quote’ button above to compare custom car insurance quotes from over 110 of the leading UK mainstream and specialist motor insurers, and obtain the most suitable fully featured cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
Top 6 FAQs for UK Custom Car Insurance
What qualifies as a “custom” or “modified” car for insurance purposes?
Any vehicle that has been changed from its original factory specification is considered modified or custom. This includes performance upgrades (engine tuning, exhaust systems), cosmetic changes (body kits, paintwork, alloys), and tech additions (audio systems, tracking devices).
Do modifications increase the cost of insurance?
Often yes, but not always. Modifications that increase performance or value usually raise premiums, while security upgrades (alarms, immobilisers, trackers) can reduce costs. Insurers price each modification differently.
Do I need to tell my insurer about every modification?
Yes. You must declare all modifications, even minor ones. Not disclosing changes can invalidate your policy and lead to claims being refused.
Will my policy cover the cost of repairing or replacing custom parts?
Only if the modifications are declared and listed on your policy. Some insurers cover the full value of mods, while others cap payouts or require receipts for proof of value.
Can I get insurance for self-built or kit cars?
Yes. Many specialist UK insurers offer cover for kit cars, self-builds, restorations, and highly customised vehicles. You may need to provide build photos, receipts, and an agreed valuation.
What is an agreed value policy, and do I need one for a custom car?
An agreed value policy sets your car’s value upfront and guarantees that amount if the car is written off. This is recommended for custom cars because standard market-value policies rarely reflect the true value of modifications.
There are thousands of drivers throughout the UK who devote many hours and spend hundreds if not thousands of pounds customising their vehicle. The market for customised vehicle accessories, tuning kits and other vehicle enhancements has grown enormously over the last 10 years.
The industry is supported by traditional retailers such as Halfords, who have expanded their range of custom vehicle parts and accessories as well as a number of magazines aimed specifically at the custom car driver.
Traditionally, customising your car has meant that your insurance premiums have literally gone through the (sun) roof! Many mainstream insurers will automatically bracket the owner into the ‘enthusiast’ group – a euphemism for people who like to get more out of their cars than the ordinary motorist. If this is your first custom car it is sensible to check out the insurance rates for the vehicle, in the state it will be when fully customised.
Always tell your insurer of the alterations and/or additions made to the car before you go ahead and make the changes. Inform them before you have an unforeseen accident, not doing so could invalidate your policy and leave you seriously out of pocket.
Most standard car insurance policies contain specific maximum limits of compensation that apply to after market accessories. For example, if you fit alloy wheels and custom body kits which did not arrive as standard, check the level of car insurance cover you will be given before you buy them!
