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
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.
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:
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.
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.
A. Yes. And you should update your insurance company accordingly, every time a modification is added to the car thereafter.
A. There are numerous ways you can help to reduce the costs:
A. Under a Safely Insured policy, the minimum requirements are:
A. Under a Safely Insured policy, the minimum requirements are:
A. There are a few issues that insurance companies face:
Safely Insured are specialists when it comes to insuring modified and performance cars.
Like most of our customers, most of our staff are also car enthusiasts. So, you can imagine the pleasure it gave us to run the 'Safely Insured Customer Car of the Year' competition for the third year in a row.
Are you ready for this modification list? Well, we’ve shortened it because there’s too many to fit in: Apexi Power FC with hand commander, custom manifold with external wastegate (Screamer pipe), Greddy front mount intercooler, Walbro 255lps fuel pump, Ogura Racing twin plate clutch, 326 Power coilovers all round, Ikeya Formula front lower arm, front steering arm and front camber arm and also Ikeya Formula rear camber arms. Full BN Sports kit and BN Sports bonnet. Custom made, wide front wings with side repeaters removed. The rear arches have been properly widened with the metal being cut, extended, and welded.
The wheels are Volk Rays Te37’s. Interior has a full 6 point, through dash rollcage, 2 red Recaro reclining front seats from the Civic EK9, Nardi steering wheel, Blitz turbo timer. The car has had a full respray in ‘Sepang Bronze’.
Just some of the modifications on Chris’ impeccably kept Toyota Supra include: Precision 6266 single turbo, BC racing coilovers, Asnu 1100cc injectors, 264 cams, fully re-built block and (in his own words) ‘lots of shiny bits’.
Craig’s Ford Focus RS is extremely modified. The engine is forged with oversized pistons etc. It’s also had lots of headwork – it’s running a gtx 35/86r turbo with 1000cc injectors. In addition, it’s running an emu black ecu, is on bc racing coilovers and has a full roll cage (painted orange) fitted. Other modifications include: racing bucket seats, a wrap (done by blueprint), a btcc front end, and many more.
Modifications on Jamie’s Cupra include: a TRC front splitter, Seat official side skirts, blacked out alloys, Forge turbo inlet hose, Forge induction kit, black Cupra lettering on rear, rear tinted tail lights, front badge blacker out, BCS powervalve exhaust system chrome quad tips, Ghost autowatch immobilise, tinted rear windows and it’s fully wrapped in ‘Avery Satin Black’.
Lee’s 400bhp MK1.5 Ford Focus Zetec has a Zetec shell, with an RS engine and components. It was built with a purpose in mind. If you’re a rally fan, you’ll love this car…
Lee’s kept this car in pristine condition, considering the fact the car is 18 years old. Lee’s also added some modifications to it, these include: a Toda exhaust, Mugen strut brace, Rota Torque wheels, Hybrid Racing billet short shifter, uprated Clarion speakers, Yellowspeed coilovers, Yellow Rocker cover, and carbon fibre spark plug cover.
Modifications on Indy’s iconic Cosworth include: a fully re-built bottom and top end, fully detailed engine bay, forged Wossner pistons, steel rods, modified crank, new T34 modified turbo, new grey injectors, live map, RS500 intercooler, -31 Actuator, 3 bar map sensor, group A Coil, group A K&N Air filter, fully adjustable lowered suspension, and Ford 17” Diamond cut alloys.
The exterior looks relatively standard but features detailed paint work, standard light clusters, 4X4 bonnet, de locked, more than 3 different alarms, immobilisers, steering wheel lock, wheel clamp, and more…
The modifications on Matthew’s impressive Mazda include: full feed body kit, Bridge port, BorgWarner efr turbo, water methanol injection, Haltec ECU, custom bucket seats, custom stainless exhaust, Billet fuel rails, 1860cc secondary injections, 750cc primary injectors, front mount intercooler, over-sized ally rad, 450lph fuel pump, fuel lab fuel pressure regulator, beaded fuel lines, Exedy stage 2 clutch, short shifter, custom flat boot, Lambo style rear lights and custom headlights.
Sean’s car is a JDM Import Stagea. imported in 2017, completely stock, it has gone under the knife with a full R34 GTR front end and wide body conversion. Other modifications include: BC coilovers, Rota deep dish wheels (custom pink), Recaro interior, many JDM mods, Greddy, HKS, and Blitz to name a few. It’s got an RB25DET engine, which produces around 300bhp (without a map). Other modifications have been added, such as: FMIC, exhaust, coils, injectors etc.
The full list of modifications on Shawn’s Toyota Supra is literally too long to list here. So, we’ll give you an overview of the main modifications instead…
This UK Spec Supra is now running a fully built, 3.4 litre, 2JZ engine with a Garrett GTX4202R turbo producing 1020.6bhp (although there’s still more power to come, as it’s not quite finished). It’s also got a full custom red and black leather interior as well as a custom wide body kit on it.
Modifications on Stephan’s Subaru include: K sport’s all round, Bilstien b66 coil overs, custom side exit exhaust, custom rear diffuser, Team dynamic 18×8 et35 wheels, Perrin fmic, Hybrid turbo, custom bonnet vents, Cosworth carbon mid spoiler, custom made varis style spoiler, front and rear strut braces, and front and rear anti roll bars.
Modifications on Ed’s immaculate Nissan 200sx S14a include: a forged engine, baffled sump, poncams, rocker arm stoppers, 2871r turbo, 740cc injectors, FMIC, uprated fuel pump, tubular manifold, full custom exhaust, lightened flywheel, stage 4 clutch, mishimoto rad + expansion tank, Nistune ecu, AVC-R, Greddy multi DA gauge, HSD coilovers, full adjustable arm kit, full polybush kit, big brake kit, reclining bucket seats, JDM rear bumper, Kouki front bumper, Work XD9 wheels, and a full underbody restoration.
A little bit about the car: Alan’s Nissan GTR has had an extensive list of work done to it. It’s got a lot of Carbon Fibre parts, has had well over 50 modifications, and is just beautiful. Here’s just some of the modifications that are on the extensive list…
Modifications: Litchfield Stage 4.25 Upgrade: Dyno’d at 695bhp / 626lbft, 1,100cc Fuel Injectors, Large Bore performance Forge intake kit with larger MAF housing, ECUtec ECU, Litchfield 102mm Full Exhaust System, Litchfield Race Intercooler, Litchfield Blow off valves, Litchfield Throttle Bodies, Litchfield Downpipes, Forge Header Tank, Alcon Super Brake Kit, Pagid PS29 Brake Pads, Airlift Performance Suspension, Eibach Anti Roll Ba, AG Carbon Fibre 421 wheels with Neochrome Hardware 20/10 Front 20/12 Rear, JCR Carbon Fibre Shift Paddles, custom carbon fibre interior trim, Recaro Seat Sliders, Expel Matte PPF over real carbon fibre bodywork with Dark Grey Vinyl Rear Quarter, many carbon fibre parts, Tommy Kiara LED Rear GTR Emblem, window Tints, Litchfield Stainless Steel Under Tray Bolts, Audison Voce 5.1K Amp, Audison Voce Speakers all round, Custom Carbon 5-Gallon Tank for Air Suspension, Accuair eLevel Management, and many, many more!
A little bit about the car: It’s had quite a few modifications. These include: Vogtland coilovers, Cda carbon air box, 17×9 rota grids, Supersprint stainless exhaust, Front & rear strut braces, Sparco bucket seats and harnesses, Omp steering wheel, and a Cup splitter.
A little bit about the car: It’s the highest option specification from the factory. This includes: Full exclusive leather with ‘Red Bucket Seats’, full carbon fibre throughout (including mirrors and side blades), lightweight black alloys, full LED package, and mag ride adjustable suspension. It’s also had a full Milltek exhaust system fitted.
A little bit about the car: The car has had many modifications, too many to list. Some of the main modifications include: a Revo 4+ remap, Mongoose exhaust, Induction kit, and upgraded pistons and rods.
Modifications: Wide arch kit, Carbon fibre boot panel, Carbon fibre rear light surrounds, Rohana RC10 wheels, Roush vents cut into bonnet, Custom exhaust system by lightning Motorsport, Custom 3 piece duck tail spoiler, BC racing Coilovers, 20mm wheel spacers, Colour coded lower bumper trims and side skirts, Window tints, BBK throttle body, Air raid cold air intake, Mishimoto oil catch tank, Sequential side light and front indicators, Led Fog lights, side light’s and DRLs, Full LED interior light conversion, Carbon fibre mirrors, Carbon fibre fog light surrounds, Carbon fibre front splitter,
Carbon fibre side skirt extensions, Smoked rear reflectors and reverse / fog light, Blacked out reflectors on the side of the rear bumper, Carbon fibre canards, Custom made rear diffuser, Mishimoto oil cooler, Mishimoto coolant tank, Mishimoto radiator, Grill delete with floating pony, kooks decat headers (had to be modified to fit), Custom map / Michelin pilot super sports with tyre lettering.
Modifications: Brian Crower stage 2 high lift Cam, Skunk2 Mega power exhaust (Full), AEM series 2 ECU, K&N Air intake with Snorkle, Circuit Garage wide body kit, Cosmis Racing 18? wheels, and Recaro Pole Position Racing seats.
A little bit about the car: Richard’s Lotus Elise has been converted to a Motorsport using an Exige body and race spec rear wing. Full respray Aug 17. It’s had a Honda k20 conversion also (Type R Engine).
Modifications: The whole list of modifications is huge. The main modifications include: 20B triple rotor engine conversion (involving a lot of custom-made parts) and a full wide-body conversion. The car was revived from a long stood non-runner to how it stands now.
Modifications: Fully forged engine with long rod pistons upgrade, new 20g turbo, Tomei 260 cams, 3 port boost solenoid, COP kit, ball bearing short gear linkage conversion, XXR 575 18? alloys, federal RSR 265/35/18 tyres, aluminium oil catch can with an10 braided hoses, Welbro 255l fuel pump, O2 dump screamer pipe, Evo 9 rear bumper, Voltex rear arch kit, Milltek 3? downpipe with full turbo back 3? system, black gloss side skirt extensions, rear spats, vortex generator and spoiler, as well as custom stainless covers in the engine bay.
Modifications: 356mm big brake kit all round, 8pot calipers front, 4pot rear, HKS coilovers, 18” rota grid in Matt bronze, Carbon front lip, HKS boost controller, Front mount intercooler, and a Titanium exhaust system.
A little bit about the car: Aaron’s Nissan 200sx (RB25 Converted) has had over 80 modifications – so many that we simply can’t list them all. So, we’ll give you an overview…
Modifications: RB25 det conversion from r33 G-tst on 105,000Km, Cometic head gasket, 1100cc Bosch top feed injectors, Japspeed radiator with twin electric fans, Nardi deep Corn steering wheel, Driftworks Quick Release Boss, Bride fixed bucket seat (drivers), Bride reclining bucket seat Rep (passenger), Takata Harnesses, R33 G-tst gear box (custom gear box mount), brand new Custom Propshaft (speced to suit) serviceable single piece, Exedy stage 3 clutch, D2 coilovers, extended LCA’s, Refurbed steering rack poly bushed, Japspeed tie rods, Japspeed track rod ends, OBP reverse hydraulic handbrake (willwood cylinder), Cosmis Xt206-r 18 x 11 et0 all round, roof spoiler, Apexi Power Fc D-jetro MAP sensor, Greddy boost controller, Greddy Boost gauge and more!
Modifications: 19” WheelMania aftermarket alloys, Bilstein adjustable coilovers, Amuse front bumper, Amuse rear bumper, Amuse front splitters, Blitz rear spoiler, Chargespeed sideskirts, Veilside bonnet, Japspeed exhaust, Brembo calipers, Stoptech brake disks, Full respray in Datsun Sora blue, Full clarion custom sound system, Custom door cards in leather, Custom leather seat covers, Custom build rear sub and amp -compartments, Fairlady z Datsun badge, Samco white hose kit, Ultra racing strut brace, and a Pipercross foam filter.
Modifications: Forged engine, Powerflow manifold, Uprated T28 turbo, 3 inch elbow with screamer pipe, Straight through exhaust with blue flame twin departure system.
A little bit about the car: James’ Nissan Silvia S15 is a full road legal competition drift car. It’s got the ‘Rocket Bunny S15 V2 kit’ on it, and has a few other modifications too. These include: 326 Power Yabaking Alloy Wheels, full Alcon Racing Brake Setup and a re-paint in ‘Deep Candy Red’.
The car has no modifications, it’s the standard factory specification.
Modifications: Running ZX9R bike carbs, full Driftworks suspension, half Roll Cage, Bucket Seat, TRD LSD Diff, TRD short shift, Closer Ratio Gearbox, Weightsaving Rust Holes, Wanatanabe Wheels, and a Varis Racing Carbon Fibre Bonnet.
Modifications: Repainted Nissan Bayside Blue, 2JZ-GTE Engine swap, 6 speed V161 manual gearbox conversion, Single turbo conversion, Borg Warner SXE 66mm turbo, Garage Whifbitz twin scroll manifold, ASNU 850cc injectors, Walbro 450lph fuel pump, Twin Turbosmart wastegates with twin screamer pipes, Turbosmart Raceport BOV, Syvecs S6 ecu, Garage Whifbitz 4” front mount intercooler, Garage Whifbitz 264 cams, Garage Whifbitz ally radiator, Line lock kit, Tein Coilovers, Full interior retrim with Recaro SR seats, and the list goes on…
Modifications: Just some of them include: DO-LUCK Front bumper, TRAIL Rear bumper smoothed, BLITZ Side Skirts smoothed, re-paint in Liquid Yellow, Dash sprayed in Liquid Yellow, Chrome heater knobs, Greddy gear knob, OEM Recaro Seats, Large front mount intercooler, Walbro Fuel Pump, HKS boost controller, Polished cam covers,Inlet, throttle body, HKS Dump Valve and elbow, 24ct gold plated Fan Cowling, plinth and top hose pipe, APR Carbon rad cooling plate, APR carbon fuse box cover, Carbon bonnet struts, APR Carbon Spark Cover, Engine bay painted matt black, CCW LM20’s gloss lip Satan centres and many more…
Modifications: Walkinshaw stage 2 which includes cold are intake, and performance cam.
A little bit about the car: It’s a 5-speed manual with power steering. Modifications include: a Cosworth servo, BMW M3 rear axle with limited slip diff, M3 front legs and brakes, the chassis has also been modified and strengthened.
This GT86 doesn’t just have the looks but has the power to back it up too.
Normally 2Litre and Naturally aspirated its now been turbocharged and is currently running 320Bhp. As well as the Stage 3 Billet Turbo Kit with supporting modifications it’s also had a full V1 Rocket Bunny body kit fitted complete with side skirts, splitter and carbon GT wing and to finish off a gorgeous and quite pricey set of Work Meister M1's which suit this body incredibly well.
This Mk2 Focus RS is very unique and definitely stand out from the crowd.
Alex has had a customer Monster Energy Vinyl wrap. Under the bonnet he is running a JWR 120i Remap bringing the car to 420Bhp. An extra 120Bhp more than standard.
This Ep3 Civic Type R has been resprayed in the lovely Championship white. Not only is the car this colour but he has had his original Enkei wheels powder coated to match the car. The K20 engine is still naturally aspirated but has had induction and exhaust modifications. The car has had a lot of visual modifications but has been kept simple and tasteful.
“Right now, my Honda Civic Type R is around 220bhp. It’s an ep3 (UK spec) 2002 model and has a 2.0 litre engine."
Here’s some of the modifications and work that’s been completed on the car:
Gareth’s Mk3 was the first one to go on cover with Safely Insured. Gareth has a love for being different and has certainly put his own stamp on this RS, just like he did with his last. One of the only ones with Air ride it definitely stands out. As well as the air ride he has a set of Gold Comp wheels and Scorpion Exhaust.
This car has been practically rebuilt in order to achieve 765bhp! This particular car, as stock, came with an N/A engine which usually produces around 200-220bhp, and had a 4-speed automatic gearbox. The car has gone through an incredible amount of changes in order to produce 765bhp / 596ftlbs torque at the wheels – which is what it produces now. The engine has been fully forged to the point where it has the potential to withstand 1000+BHP (with the right supporting modifications, of course). Chris chose a T67 Turbo, as he believed it has the best all-round acceleration and top-end speed.
The Toyota AE86 is a very iconic car within its own rights. The car was imported from japan and has recently been purchased by George. Currently he is in the process of putting his own stamp on this car. The vehicle has had suspension changes and some minor engine modifications. We are sure that we will be seeing more changes before it gets to show season.
The Honda S2000 is one of those cars that doesn’t need many improvements from how it came from the factory. The car originally had a 2Litre naturally aspirated which came with 240Bhp from the factory. Harvey has left the car naturally aspirated but done a lot of other mods.
While Harvey focused on modifying the style of his Honda S2000 with a modification list that includes:
The list of modifications Jamie has made to his Nissan 200sx could fill an entire blog post... so we wrote one. Check out the full list of mods here.
Currently running 300Bhp this car hasn’t just had engine mods it’s had lots more done to it. Jamie is currently running a Garrett GT28R turbo with braided lines as well as other supporting mods to get it to this power. As well as the engine this car has had rear over fenders, front wings, skirts and other body modifications. He also has a set of Work Meister S1’s which we love.
"I have had many engine upgrades. When I first bought the car it did not have a turbo and was only 220bhp. Then, I did a twin turbo transplant which took the power close to 300bhp. I then did a BPU setup, taking the power to around 450bhp. After this, I pushed the twin turbos, so changed to a Holset single setup 550bhp. After the Holset died I got the Garret T88 single turbo (which is my current setup) and now the car runs at 700bhp."
Find out more about how Jason took a 220bhp and made it into the 700bhp masterpiece it is now. Read the blog here.
This Ford Falcon is the XR6 GT. This 4Litre engine has had a few modifications such as remap, induction and exhaust. As well as this Martin has ensured that the body of the car is back up to his high standards. He has also some body modifications added such as vinyl stripes, better spec bonnet, front splitter and alloy wheels.
Michelle's modifications are all around drifting: Roll cage, bucket seat and harness for safety, Japspeed intercooler, Japspeed exhaust, Exedy clutch, vented bonnet, and Driftworks CS2 suspension.
This lovely mk1 golf GTI may look like a simple classic car but under the bonnet its not. Sean now has a 2Litre TSFI Audi engine with lots of uprated parts including intake, exhaust, fuel injectors and fuel pump and dump valve. Other than that Sean has kept it simple with new suspension and a set of wheels which suit this classic beautifully.
Modified and currently running at 400bhp, Steve’s Audi S3 saloon is incredibly well known, with over 47k followers on his Instagram it goes to show a simple tasteful look can still get a lot of attention. His past few cars have all had air ride and it does make a huger difference to the visual aspects of the car. Blog will be coming soon.
Warwick is another customer who’s car is incredibly well known. He currently has 12.9k followers on his Instagram. This is another car that shows just a few tasteful modifications can really have a huge impact on how a car looks. Warwick has gone for the stealth look, not only does it look good but it performs well. The 2.5Litre turbo engine also sounds lovely, especially with the help of a custom exhaust from Emp Performance. This car is currently running at 362bhp. Some of the modification to enhance this beautiful Audi RS3 Quattro include;
Wayne’s Skyline is a R34 GTR currently running 500Bhp. From standard this car comes with the infamous RB26 Engine. It’s a 2.6Litre twin turbo, it was stated that they came with 276Bhp from factory. This is the second R34 that Wayne has had.