Modified cars.. Performance cars.. High crime area..?

Getting Cheap Modified Car Insurance

Information - Modified Car Insurance

Be very careful when purchasing a car privately or from a garage whose reputation you are unsure about. You must make sure that the vehicle has not been modified in any way before you attempt to insure it. Insuring a vehicle as standard when it actually has had modifications made to it such as alloy wheels (which actually can appear insignificant) can cause your car insurance policy to be null and void. In fact, around half of car insurance companies will not even cover a modified car.

If you attempt to make any claim or have a claim made against you and it is proved your car has been modified, you could be left wide open to extremely expensive lawful action which can quickly spiral out of control.

There are two main categories of car modifications, these being modifications for looks and modifications to increase the speed of your vehicle. Both types of modification will increase your annual premium but at different levels. For example, a set of alloy wheels won’t make the car go faster, however, depending upon the area you live in, will make your car far more desirable to thieves hence an increase in premium. However engine modifications will make your car faster and more likely to be involved in a high speed accident again increasing premiums.

Always make sure you declare every modification made to your vehicle whilst obtaining car insurance quotes. You can then decide whether or not to change the car back to its original factory state if the premiums are too high because of the modifications.

Powerseeker Tip 1: We tried many car insurance companies and found that in 2007 Admiral Car Insurance did not appear increase premiums drastically.

View the UK Car Insurance Guide