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Keep Your Road Trips Secure with the Ideal Modified Car Insurance

If you have a modified car, whether it’s because the suspension is lowered or you have tinted windows, then unfortunately it came make it that much harder to get insurance at a reasonable price. In fact, some insurance providers won’t provide policies for modified cars at all. Don’t despair however – there are still plenty of insurers out there who will be prepared to offer you a policy and getting quotes from these providers is easier now than ever.

To get modified car insurance quotes that are tailored to your needs, simply click the green button. You can keep reading for more information on the types of cover you can get as well as some ways to keep costs down and why getting quotes is a good idea.

Did you know…?

Modified car insurance can be harder to find at a good price but there are still plenty of insurance providers out there to get quotes from.

Why It's Essential To Have Modified Car Insurance

If your car is modified, then it’s essential to let insurance providers know this. Even if your car is only slightly modified and it’s not in a way that affects performance, it’s still required to get modified car insurance. Without it, your policy could be voided and you wouldn’t be covered for the repairs needed to properly restore it if you were involved in an accident.

Modified Car Insurance - Cover Options

The type of car insurance you opt for will determine the level of coverage you secure. The main types available in the UK include:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and is the minimum legal requirement in the UK. It takes care of injuries to others and damage to other people's property, but it does not cover any damage to your own vehicle.
  • Third-Party, Fire and Theft Insurance: This includes everything within Third-Party Only coverage, with additional coverage against the loss or damage of your car due to fire and theft.
  • Comprehensive Car Insurance: This offers the highest level of coverage. It includes all elements from the Third-Party, Fire and Theft policy, and might also assist in covering the cost of repairing or replacing your vehicle, regardless of the cause of the accident.

Did you know…?

The status of the car is just one of many factors insurance providers take into account.

Why It's Recommended To Get Multiple Modified Car Insurance Quotes

Getting Modified Car Insurance quotes is always recommended.

  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.

Additional Cover Options For Modified Car Insurance

You can choose from the optional Modified Car Insurance cover below.

  • Misfuelling Cover: If you accidentally fuel up with the wrong type, this cover helps manage the cost of any necessary repairs.
  • Child Car Seat Cover: Accidents can be unnerving, especially with children involved. This cover allows for the replacement of any child car seats, even if there's no apparent damage.
  • Breakdown Cover: When your car takes an unexpected pause, this add-on ensures you're not stranded and provides roadside assistance at any time.
  • Legal Cover: Road incident led to a legal dispute? This cover provides financial protection to keep legal costs at bay.
  • Key Cover: Losing your keys is frustrating enough without the added expense. This cover handles the cost of replacement keys and even the locksmith's fee.
  • No Claims Discount Protection: Claim or not, this cover ensures your no claims discount remains untouched, helping you secure lower premiums in the future.
  • Foreign Use Cover: Planning to hit the road abroad? This provides the same level of protection as you have at home, so you can drive with peace of mind.
  • Personal Accident Cover: In case a severe accident occurs, this cover offers you and any named driver a financial safety net for certain injuries.
  • Excess Protection Cover: This cover absorbs the cost of your excess if you need to make a claim, ensuring you're not left out of pocket.
  • Uninsured Driver Protection: If an uninsured driver collides with your vehicle, this cover ensures you're not left to foot the bill, protecting your excess and your no claims discount.
  • Windscreen Cover: Keep your view clear with this cover, which provides protection against any windscreen damage.
  • Courtesy Car Cover: If your car is off the road for repairs after an accident, this cover keeps your routine running by providing a courtesy car.

Did you know…?

It's important to let insurance providers know of any modifications that have been made to your car, even if you don't think they're relevant.

Modified Car Insurance - Ways To Save Money

Saving money on Modified Car Insurance is possible using the methods below.

  • Park Securely: Cars parked on the street are more likely to be stolen or damaged. If possible, park your car in a garage or secure parking spot overnight.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • Choose Your Car Wisely: The make, model, and age of your car can affect the cost of your insurance. Cars that are less expensive to repair or replace usually come with cheaper insurance premiums.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.
  • Shop Around: Don't settle for the first quote you receive. Use the comparison tool to explore various policies and find the one that offers the best value for your money.

Compare Modified Car Insurance Quotes Now!

This comparison tool is a game-changer when it comes to finding the right car insurance. Here's the drill:
  • First, you'll need to punch in your personal details - they handle data with utmost care.
  • Next, they'll ask for your vehicle's specifics - the more detailed, the better.
  • Then, you should key in your current insurance details - it helps them serve you better.
  • And there you go, specialist insurance providers will soon be in touch with customised quotes.

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Modified Car Insurance FAQs

Why do modified cars cost more to insure?

The reasons that modified cars cost more to insure is because often the modifications are to make the car faster or have better acceleration. This can make it riskier to driver and more likely to be involved in accident. There’s also the fact that most people who modify their cars are teenagers or people in their early 20s, which is already a high risk group to start with.

Do I need to let insurance providers know about modifications that don't affect performance?

Yes. Any changes that have been made to you car need to be declared to insurance providers. Even something like tinted windows can affect what you pay for cover quite significantly.

Are there any ways to reduce the cost of modified car insurance?

Although modified car insurance is more expensive, there are ways to keep costs down. These include paying for the policy annually, increasing the excess on your policy or getting a black box insurance policy.