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Modified Car Insurance

Modified Car Insurance is different to standard car insurance as it requires an insurance specialist with knowledge of the technicalities of car modifications and specifications of parts

Modified Car Insurance Image

Here at Safely Insured, we have a dedicated team of experts who can design your specialist motor insurance policy so you are covered in the event of the unthinkable happening.


What Is Modified Car Insurance

Modifications can mean something as little as adding alloy wheels or a spoiler, or something as extravagant a turbo conversion. This can add value, increase theft risk, make it more difficult to find replacement parts and mean that the driver is categorised as higher risk. This is why insurance providers term modified cars or vans as non-standard vehicles, and the insurance premiums are higher.

Safely Insured believe that modifications indicate that the driver is more likely to take care of their vehicle, so the premiums should be set accordingly.

We also offer:

  • Introductory Discounts
  • Discounts for Affiliated Car Club Members
  • Second Car Discounts
  • Limited Mileage Discounts
  • Like for Like Modification Cover
  • Breakdown Cover

Purchase Your Modified Car Insurance with Us Today

So if you’re looking for competitive rates on your modified car or modified van insurance, then you need look no further. We at Safely Insured are considered experts in the field of modified car insurance, so you’re in good hands.



Frequently Asked Questions


  • Q. What classes as a modification?

    A. Anything that has been altered from factory standard, or since it has left the factory. For example, something as small as a sticker will class as a modification, and your insurer should know about it.

  • Q. Must you disclose every single modification when taking out a policy?

    A. Yes. And you should update your insurance company accordingly, every time a modification is added to the car thereafter.

  • Q. How can you potentially reduce the costs of a Modified Car Insurance policy?

    A. There are numerous ways you can help to reduce the costs:

    • Obtain the ‘PassPlus’ qualification via the Institute of Advanced Motorists (beneficial for Young Drivers).
    • Increase security features – add an alarm or immobiliser if it doesn’t already have one (particularly ones which have been categorised by ‘Thatcham’). This is one of the most effective ways of preventing car theft / break ins.
    • Park your car somewhere safe – garage or driveway.
    • Limit your mileage – ‘limited mileage discounts’
    • Tracking devices – for vehicles with a high net-worth (such as Lamborghini or Ferrari).
  • Q. What are the minimum requirements for ‘Third Party Fire and Theft Cover’?

    A. Under a Safely Insured policy, the minimum requirements are:

    • You must be at least 19 years’ old
    • You must have at least 1 year NCB (No Claims Bonus) or proof of 'claims free' driving
    • You must have held a full UK driving licence for a minimum of 2 years
  • Q. What are the minimum requirements for ‘Comprehensive Cover’?

    A. Under a Safely Insured policy, the minimum requirements are:

    • You must be at least 21 years’ old
    • You must have at least 1 year NCB (No Claims Bonus) or proof of 'claims free' driving
    • You must have held a full UK driving licence for a minimum of 2 years
  • Q. What are the issues insurance companies are faced with when it comes to modified cars?

    A. There are a few issues that insurance companies face:

    • Value – the increased value of the car also represents an increase cost of a claim, should there be one.
    • Theft
    • Replacement parts – certain parts can be harder to come by than others, in addition to an increased cost if they need to be sourced from over-seas.
    • Drivers risk – if a driver has installed a supercharger, the performance will be significantly higher, this subsequently makes the ‘drivers risk’ higher.