You might know your supercharger from your spoiler – but what about getting cheap car insurance for your modified car? Get a quote from a specialist insurer using the link below:

Why is Modified Car Insurance more expensive?

It doesn’t take a genius to realise why car insurance is higher for customised cars. With powerful engines, sleek styling and slick stereos – there’s no wonder why insurance companies give them a black mark.

Modified vehicles tend to be more expensive and include specially-fabricated, customised or aftermarket parts. These features make it difficult to insure a modified vehicle compared with a standard car.

Modified car insurance tips - it’s all about being sensible.

• Go easy on the interiors – plush seats and expensive stereos can be an Aladdin’s cave for thieves
• Tone down the exteriors – bright bodywork and expensive alloys can appear like a ‘nick me’ sign
• Insure for less miles – chances are your hot hatch is likely to cover fewer miles if you spent a fortune and time customising it. Reduce your premium by insuring for less annual miles.
• Keep it garaged – ensure your pride and joy is under lock and key to help prevent it from being stolen
• Smaller engines command smaller premiums
• The less expensive your car, the less expensive your insurance
• Sought-after vehicles command higher premiums
• Non mainstream vehicles such as kit cars may also command different insurance premiums
• Fit security devices - adding a tracking device, engine immobiliser or security alarm can help reduce your insurance premium
• How are old you? – young drivers will pay higher premiums which can be reduced by specialist providers
• Increase your excess – paying more on your excess can drive down your premium
• Search the market to get the best deal

Honesty’s the best policy

You must disclose every modification you’ve made to your car when shopping around for the best deal. Not disclosing the changes you’ve made to your car may void your policy if you’re in an accident or the car is stolen.