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Your Guide to Modified Car Insurance in the UK

Car insurance is always complicated and quite frankly annoying, but it if you are modifying your car, it is even more so. Customising your car is a hobby and a passion, but if you are taking on the project, you will want to make sure that your insurance will cover any accidental damages.

Luckily, some insurance companies offer specialised modified car insurance for cars that have been modified beyond their factory specifications. Whatever you are changing on your vehicle, whether it’s cosmetic, for performance, or to meet the needs of a disabled driver or passenger, taking out the right insurance is key.

What is Modified Car Insurance?

It doesn’t matter what reason you are modifying your car, if you are changing its factory settings it is considered modified and will require special insurance according to the site MoneyPug, which is used to find car insurance. Regular insurance won’t cover your automobile if something goes wrong. You will probably pay more, but it will be worth it in the end. If there is an accident during the process of modification, you’ll be able to get reimbursement for the damage and you may even get money to finish the modification.

Why Specialist Insurance is Necessary

Premiums for car insurance are calculated with complex algorithms that identify risk, which means that standard policies won’t cover modified vehicles and specialised cars. This means that these vehicles are more costly to fix than a regular, unmodified automobile. On average, they cost around five percent more to insure.

Furthermore, the modifications likely make your car more of a target for grand theft auto. Modified bodywork and performance can also make it more difficult to work on your car. To put it simply, if you need to make a claim, you will have a lot better chance to receive reimbursement with specialist insurance.  

Getting a Good Deal

Of course not all insurance companies have modified insurance, and some will cover different things than others. It is important to shop around, don’t go for the cheap option or the first modified insurance you find. Instead do your research and shop around, make sure that the company covers what you need.

For example, there are a few things you should be aware of. If you are going to the track, you’ll want to see to it that you have this covered. Another thing is that you want to be insured for European parts and modifications. But covering parts is important in general. If you look for the best insurance for what you need, you will be a lot better off.

Check for Discounts

Though you are modifying your car and therefore looking for specialised insurance, this doesn’t mean that you will need coverage people who don’t modify their car need. For example, look for discounts on limiting mileage. If you don’t drive the vehicle a lot or only use the modified vehicle for fun drives on the weekend you can get your insurance policy reduced. Young people, 17-year-olds in particular, can find discounts for passing an exam that will reduce their premiums. Do you have more than one car? You can take advantage of a reduction, just make sure you include that detail when you’re getting quotes from companies. Finally, car owner clubs can offer extra reductions. Just because you are modifying your car doesn’t mean that you need everything that insurance covers. Looking into it can help you save.

Don’t be Afraid to Ask for Help

When you’re getting into modifications for the first time, you shouldn’t be afraid to ask for help. Looking for body and parts? Don’t be afraid to seek guidance. There are plenty of websites and forums that can help you find what you need not only for the parts themselves but the insurance you will need to modify and install them without worrying about invalidating your policy. You shouldn’t hide your modifications from your insurance company, this won’t help you at all. This could also invalidate insurance and get you in a lot of trouble. Be upfront and you will find the insurance you truly need.

When you modify your car, you are diving into a world that you need to be knowledgeable about. It is best not to act like everything will be fine. Instead, being proactive will help you save a lot of money in the end. Insurance is mandatory, and if you are modifying your car it is especially so.