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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

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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.

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Car insurance for modified cars FAQs

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