Classic Car Modification cover

From non-standard paintwork to complete custom body builds, modified policies will protect replacements and repairs to your vehicles.

Finding beneficial insurance fit for a modified classic at a reasonable price is no easy feat. Your vehicle is unique, so why shouldn’t its protection be?

Modified car insurance too often leads to compromise on either price, level of cover, or the overall quality of the insurance. As every policy is different, it’s always worth understanding the benefits of your cover before heading out on the road.

What is Modified Cover?

A policy with modification cover will include details about your protection that makes note of any existing modifications on the vehicle which might alter its performance, looks, functionality and marketplace value. It’s important to ensure your policy accurately captures the whole value of your vehicle. Modified insurance applies to either private or commercial use. You will need to declare modifications in your insurance application if you own a converted, modified or self-build vehicle.

Any undeclared modifications or alterations to your vehicle will not be recognised in the scenario of misfortune. That means expensive repairs for modifications that remain undisclosed on application will have to be privately covered by the driver. Not declaring your modifications can even sometimes lead to invalidation of your insurance. Modifications often alter the market value of your vehicle, and so being insured is essential to helping limit personal expense if misfortune strikes and your vehicle requires repair.

Simply, a modification can be defined as anything that changes the look or performance of your vehicle. Modifications might include the safety features on your vehicle (such as parking sensors, or the alarm system). Safety additions, however, shouldn’t increase the value of your policy, because your vehicle is more secure against burglary or theft.

Modifications could improve the market value, either by enhancing performance, or by adding value through cosmetics. Typically, your premiums will reflect the true value of your vehicle to the market, so that a policy will protect any replacement or repairs to modified parts of your vehicle.

We offer high-quality modified insurance policies at very low prices. We have a wide-ranging and in-depth knowledge of classic car modifications. Below are a few examples of the modifications we cover in our policies:

• Complete body kit
• Fibre glass panels
• Rear spoiler
• Suspension changes
• Non-standard paintwork
• Flared wheel arches
• Nitrous oxide kit
• Turbocharging
• Non-standard alloy wheels
• Non-standard engine replacements