Finding the right car insurance for modified cars can be challenging without an insurance specialist who is knowledgeable about the different requirements and technicalities of car modifications.
At Bond Lovis we search a panel of insurers to ensure we find the right Modified Car Insurance policy to meet your demands and needs to provide you with the best cover at an affordable price.
A modified car is defined as such if there have been any non-standard modifications made that were not part of the manufacturer’s original specification. This can include any enhancements made for cosmetic, functional or performance purposes. anything from a sports air filter, uprated exhaust system, lowered suspension or even an engine re-map.
- Typical Modifications:
- Uprated exhaust
- Window tints
- Uprated brakes
- Body kits
- Car respray
- Uprated turbo
- Alloy wheels
- Roll cage
- Re-map or chipped
Not all car modifications are equal:
some may increase your premium whilst others may reduce them. The impact on your premium will depend on what modifications have been made, as different car mods will carry different risks. Many seemingly “risk-free” modifications (in terms of driving safety) may increase your premium as they may make your car more attractive to thieves or vandals. Whilst some car modifications designed for safety, such as parking sensors, may even reduce your premium.
And don’t be fooled into thinking that you can get away with purchasing a standard insurance policy without declaring your car modifications. In doing so, you may risk your policy being invalidated and your insurer would be well within their rights to refuse your claim. It’s far better to pay a little more for the right modified car insurance than pay for a worthless policy that you couldn’t claim on.