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Compare car insurance quotes for modified cars

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*51% of customers received a quote of £495.61 or less for Comprehensive Insurance between January and March 2021, when using our journey via Confused.com

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Find the insurer for modified cars that suits you

Get a detailed insight into the top modified car insurance providers or cast your net wider by viewing all car insurance companies...
Admiral logo

Admiral

AA car insurance logo

AA

Churchill car insurance provider logo

Churchill

Hastings direct car insurance

Hastings Direct

Quotemehappy.com car insurance provider

Quotemehappy

RAC insurance logo

RAC

Tesco Bank car insurance logo

Tesco Bank

AXA car insurance logo

AXA

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New car engine in modified car

Do you need modified car insurance?

If you answer yes to all these questions it could be...

Have you remapped your engine?

Performance enhancing engine tuning is likely to increase your car insurance premiums as more powerful cars tend to be involved in more expensive accidents. You must tell your insurer so they can set your premium accordingly.

Have you upgraded your wheels?

Alloy wheels look great but that also makes them more attractive to thieves and may push up your insurance premium.

Have you added a spoiler?

Bodywork tweaks – even if they do not improve performance – will cost more to fix in the event of a claim.

Do you have a fancy paint job?

Special paint work or even car wraps can add up – you’d want your insurer to put your car back the way it was after an accident or act of vandalism.

Car modifications have come a long way from the days of go-faster stripes, furry dice and personalised number plates. In recent times technological advances have made relatively inexpensive, attractive mods, such as sleek custom paint jobs, and engine upgrades are very much in vogue.

Discerning drivers have leapt at developments in braking technology to enhance their driving experience, and these too are becoming even more popular. That said VW Golfs, Beetles, MINIs and other mod-friendly cars, fitted out with alloys, upgraded stereo systems and tinted windows, remain far from rare on UK roads. 

Modified car headlight in the rain

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Why does it cost more to insure a modified car?

Most drivers modify their cars to make them stand out, either cosmetically or in performance terms. Unfortunately, these alterations can have unwanted consequences. A car with a flashy paint job could provoke a jealous passer-by to vandalise or steal it, while a thief may work at removing pricy alloys or a spoiler. 

Engine upgrades can also result in higher premiums because a more powerful car can do more damage in an accident. Also, claims, in general, tend to be higher in value as the enhancements cost more to repair or replace.

Wheel of a modified car

Car insurance for modified cars FAQs

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Car Insurance comparison is provided by Confused.com which is a trading name of Inspop.com Limited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. Uswitch is an intermediary and receives a percentage of the commission if you decide to buy through us.