Modified Car Insurance
Specially negotiated rates with leading insurers for your Modified Car Insurance quote. If you are a motoring enthusiast devoted to your pride and joy then with HomeApproved you can gain access to competitive quotes from some of the best industry underwriters and insurers.
You could save up to £518*
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Click through on the ‘Get a Quote’ button above to compare modified car insurance quotes from over 130 of the leading UK 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 Modified Car Insurance in the UK
Do I have to tell my insurer about modifications?
Yes — always. Any change made to your vehicle that alters it from the manufacturer’s original specification should be declared to your insurer, even if it was done by a previous owner. Failing to do so can invalidate your policy and lead to refused claims.
What counts as a “modification”?
A modification is any alteration from factory spec — including performance enhancements (engine tuning, turbo upgrades), cosmetic changes (body kits, tinting), suspension changes, upgraded wheels, audio systems, alarms or trackers, and interior changes.
Some insurers treat even small changes as mods — so when in doubt, declare it.
Will modifying my car make my insurance cost more?
Often yes, especially for performance-related or high-value cosmetic modifications, which can raise the risk of theft or accident and increase repair costs. Some mods (like security upgrades) may reduce premiums.
What happens if I don’t declare modifications?
Not telling your insurer can have serious consequences: Your insurance can be cancelled or voided; Your claim may be refused; You could end up uninsured (illegal in the UK) and face fines or penalty points; Future insurance may become harder and more expensive to get.
Are there mods that don’t affect insurance?
Some changes might have little or no premium impact — for example, security features, roof racks, legally compliant window tints, or minor alloy wheel upgrades — but you should still declare them. Each insurer’s policy varies on what they consider significant.
Should I use a specialist insurer for modified cars?
Yes — if your car has substantial mods, specialist insurers or brokers that focus on modified vehicles can give fairer terms and cover the value of your enhancements properly. Standard policies often only cover your car to standard spec.
Quite possibly you may have experienced difficulty in obtaining the right level of cover with a general motor insurer. It is true that modified car insurance can be difficult to get through some more mainstream companies.
To find the right policy when comparing insurers always always take into consideration your precise needs and driving experience. Your cover should be tailored to your exact requirements, and you will find the very best modified car insurance providers will deliver this:
- Limited mileage discounts
- Agreed value
- Track day cover
- UK & European Breakdown
- Club member discounts
- Multi-vehicle policies
Look out for the right level of flexibility with optional terms and conditions backed up by dedicated after sales service. If you drive a part modified or completely customized car, then a specialist insurer could be the answer to a value-for-money premium. A one-size-fits-all policy, is certainly not the order of the day when insuring your modified vehicle.
Free, no obligation quotes are available for drivers of modified and high performance cars, alloys, new engine, lights, nitrous body kits, audio systems etc. It is always sensible to shop around and to conduct thorough research before committing yourself to a new policy. Consult with individuals who already run modified vehicles. Ask at Custom Car Shows, and at modified car events etc.