Custom Car Insurance for Aftermarket Modifications.
- Compare modified car quotes across specialist UK underwriters online
- Cover for ECU remaps, body kits, custom exhausts, wheels & performance upgrades
- Takes under 2 minutes to declare modifications & get quotes
Three Steps to Cover Your Modified Vehicle...
Find modification-friendly insurance quotes online in under 2 minutes
Enter your registration plate and select all performance, cosmetic, or engine upgrades.
Review tailored quotes offering like-for-like parts replacement and agreed valuation.
Select your preferred policy, lock in your terms, and drive with full legal cover.
Comprehensive Cover for Modified & Tuned Cars
Modified car insurance provides dedicated cover for vehicles altered from factory specifications, including performance upgrades, aesthetic body kits, suspension drops, and engine remapping. Standard car insurance often voids policies if modifications are undeclared, whereas specialist modified cover fully protects custom enhancements.
Insurance Categories for Custom Modifications
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Performance & Engine Modification Cover: Policies covering turbochargers, remaps, exhaust systems, intake upgrades, and brake conversions.
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Cosmetic & Bodywork Modification Cover: Tailored protection for custom paint, body wraps, alloy wheels, spoilers, and suspension lowerings.
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Audio, Interior & ICE Upgrade Cover: Protects high-end in-car entertainment systems, custom upholstery, and digital displays.
Why Declaring Aftermarket Modifications Matters
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Like-for-Like Modification Replacement: Guarantees that damaged aftermarket parts are replaced with identical custom components rather than stock factory parts.
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Agreed Value Protection: Option to lock in an agreed total vehicle valuation factoring in custom parts and modification receipts.
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Salvage Retention Rights: Allows owners to reclaim custom parts and modified engine hardware if the vehicle is written off.
How Performance Mods Affect Premium Pricing
Modified car insurance costs depend on the type and extent of modifications, total horsepower increase, security upgrades, and driver background. While performance mods can increase premiums, cosmetic styling or safety modifications combined with garage storage yield competitive rates.
Quick Guide to Insuring Your Modified Vehicle
Clarity Compare simplifies quoting for modified vehicles. Simply list your vehicle registration, modifications, and driver profile to compare specialized UK modified car insurance policies.
Handling Claims with Aftermarket Modifications
In the event of a collision or theft, notify your modified car insurer straight away. Keep receipts, dyno sheets, and modification invoices ready to substantiate the value of custom parts during claim evaluation.
Ways to Reduce Insurance Costs on Modified Cars
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Declare Every Single Modification: Declare every alteration—no matter how minor—including factory optional extras, decals, and alloy wheels to prevent voided claims.
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Fit Thatcham Security Hardware: Upgrading to Thatcham-approved alarms, steering locks, or GPS trackers offsets performance modification risk factors.
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Keep All Receipts & Invoices: Maintain an updated folder with modification receipts and dyno graphs to support Agreed Valuation requests.
"Your modified car is a personal statement of style and performance. Specialist modified car insurance protects every modification so you never lose the value of your hard work."
Modified Car Insurance Questions & Answers
What counts as a modification for car insurance in the UK?
Any change from factory specification counts—including alloy wheels, tinted windows, exhaust upgrades, ECU remapping, tow bars, and vinyl wraps.
Will an ECU remap void my car insurance if undeclared?
Yes. Failing to declare engine remapping or tuning modules invalidates your policy, leaving you personally liable for third-party damage and illegal driving charges.
What is Like-for-Like cover on modified car insurance?
Like-for-Like cover ensures that if your custom alloy wheels or modified exhaust are damaged, the insurer replaces them with equivalent aftermarket parts rather than stock OEM items.
Ready to Hit the Roads?
Save time, declare your custom modifications, and get accurate cover tailored for your modified vehicle.
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