Modified Car Insurance
Affordable Insurance Cover for Car Modifications of All Kinds!
- Great value policies for cars with alloy wheels, exhaust modifications, and lowered suspensions
- Specialist insurance for body modifications including spoilers and body kits
- Cover for engine modifications, ECU remapping and more…
A car modification is when the vehicle has been changed from the manufacturer’s original factory specification. Owners modify their vehicles for many different reasons and in many different ways. They are normally trying to achieve one of two things – a more aesthetically pleasing appearance or increased performance.
If you modify your vehicle in any way, you should inform your insurance provider, as your standard insurance policy may be invalidated if you don’t. In some instances, you will require a specific modified car insurance policy. If your modifications are to increase performance because you’re looking to race your vehicle, then you should advise your insurance provider and look to have this added this to your policy.
What is Modified Car Insurance?
Generally, insurers look at two risk levels when providing you with a quote for your insurance – how likely you are to have an accident and how likely it is that the vehicle will be stolen. Modifying your car changes the likelihood of both outcomes.
How Does Modifying Your Car Affect Your Car Insurance Premium?
Enhancing your vehicle can make it more appealing to thieves, so your car insurance premium is likely to be increased to reflect this. Driving a vehicle that has had its performance enhanced through modifications such as a turbo-charged engine or modified transmission will also bump up your premium, as you’re likely to be driving at faster speeds. The length of your no claims history can mitigate this increased cost slightly for experienced drivers, but modified car insurance for young drivers with little or no driving history may still not be cheap.
Insure Your Modified Car with Complete Cover Group
If you’ve modified your vehicle and want to speak to a specialist about modified car insurance, then Complete Cover Group can help. Our highly experienced team of brokers know where to go to find market-beating insurance, even when you’ve given up hope of ever finding cover at a price you can afford. Whether you’re a young driver under 25 or have driving convictions, we can help you find affordable insurance.
What Modifications Affect Your Car Insurance in the UK?
Probably one of the most common modifications is the addition of alloy wheels made from aluminium. Magnesium alloys are also available, but are much more expensive and tend to be used for racing cars. Alloys come in various types, including diamond cut, standard and split rim, and they are added to enhance the look of the vehicle.
The main purpose of a car exhaust is to block the sound of the engine while still allowing the exhaust fumes to escape efficiently, and any modifications that are made to the exhaust must still allow for the muffling of the engine sound which is emitted. Changing the diameter of your exhaust will either slow down or speed up the rate at which exhaust fumes are released, and this is what affects the performance. The material an exhaust is made of and how much it’s polished can reduce friction, so can also affect the speed at which exhaust gases are discharged.
Lowering the suspension of your car can provide better handling, due to the lowered centre of gravity, but it is also used to enhance the vehicle’s appearance. Care does have to be taken when driving with a lowered suspension on today’s modern roads with speed bumps and potholes, as you can experience some grounding out.
Spoilers and Body Kits
The purpose of spoilers and body kits is twofold. They enhance the aesthetic appearance of the vehicle, but can also help with performance, because of their aerodynamic properties. Similar to a lowered suspension, your body kits can be easily damaged when navigating speed bumps and the like.
This involves making changes to the vehicle’s engine control unit (ECU). While you can remap to make small changes, such as making the doors lock automatically when you reach a certain speed, it is generally used to increase performance and fuel efficiency. All new cars are released with specific settings programmed into the ECU. These settings can be determined by the legislation, climate or quality of fuel in the countries they are produced in and aren’t always the most efficient. Remapping involves connecting the vehicle to a computer and changing these settings.
A popular modification that can be visually appealing, increase privacy and help block out sunlight. As dark tints limit the amount of light in and therefore visibility of the road, they can result in an increased risk especially when driving at night. This additional risk will most likely be reflected in the cost of your premiums.
What is the legal limit for tinting car windows?
UK law is clear about how much a vehicle’s windows can be tinted.
For vehicles first used on 1 April 1985 or later:
- The front windscreen must let at least 75% of light through.
- The front side windows must let at least 70% of light through.
For vehicles first used before 1 April 1985:
- The front windscreen and front side windows must both let at least 70% of light through.
There are no restrictions for tinting the rear windscreen or rear side windows.
Select Additional Products
To make sure that all of our customers experience the same level of claims service, regardless of the insurer they choose, we sell Motor Legal Cover with all car policies.
Motor Legal Cover provides up to £100,000 for legal expenses to help you recover any financial losses from a non-fault claim, such as lawyers’ fees, expenses relating to repair costs and recovering your excess. You’ll also get assistance arranging a courtesy car if you’re involved in an accident that wasn’t your fault.
Whether you use your car for work, the school run, family holidays or business trips abroad, we offer a range of breakdown policies to suit your budget and needs. Our breakdown cover also protects vehicles up to 20 years old!
Check the table below to see which level of cover is best for you:
|Benefits||Roadside Assistance||Motor Assistance|
UK & EU
|Roadside Assistance – 10 Mile Limit|
|Roadside Assistance & Nationwide recover Service|
|Alternative Travel or Accommodation|
Call us on 0800 997 8232 to add this to your cover.
Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from.
Adding just £36.95 to your policy, for example, would mean a reimbursement of £350 of your excess, which in many cases could mean you lose nothing at all! See below to choose the best option for you:
|TPF&T or Comprehensive|
Call us on 0800 997 8232 to add this to your cover.
With most comprehensive policies providing only a limited amount of personal accident cover, and third party, fire and theft policies rarely providing any at all, Personal Accident cover is a cost effective way to ensure that you and your passengers are provided for in the event of a death or serious injury.
Key benefits include:
- Payments of up to £25,000 EACH for the policy holder, named drivers and any passengers injured.
- Payments are made whether the claim is fault or non-fault.
- Cover is provided whilst travelling in, getting into and getting out of the insured vehicle, as well as injuries suffered as a result of assault or road rage.
- Payments will be made in addition to any other payout you receive from your motor insurance policy.
Only £29.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Make sure you’re not stuck if your car is off the road after an accident or theft.
Your insurance company may provide you with a courtesy car if an accident wasn’t your fault, but if you have a fault claim or an accident where there is no third party to claim from, you are unlikely to be provided with a replacement car.
With Replacement Car you’ll be provided with a car for up to 21 days or money towards transportation costs, regardless of whether the claim was your fault or not
Only £32.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Do you want windscreen protection without the cost of upgrading to comprehensive cover?
This stand-alone windscreen cover policy provides protection against the kind of damages that can make your car unsafe to drive or cause you to fail your MOT. The kind of loses you won’t be covered for if you’ve chosen to buy a third party only or a third party, fire and theft policy.
Windscreen Cover provides up to £500 worth of repair or replacement costs in a 12 month period.
Only £37.95 for the year. Call us on 0800 997 8232 to add this to your cover.
As a tradesman, you’ve no doubt invested heavily on a range of tools that you rely on to do your job. Having to repair or replace those tools could not only cost you in the short term, but leave you unable to work.
Tools in Transit cover offers protection for your tools if they are lost, destroyed or damaged whilst they’re being transported in your vehicle, temporarily housed in it, or being loaded onto or unloaded off it.
With levels of cover between £500 and £5,000, we have options to suit a range of tool collections:
|Tools in Transit|
|Level of Cover||Cost|
Protect yourself against the costs that come with losing your keys.
Key Care covers costs incurred through the loss or theft of vehicle keys, including locksmith charges, new keys, car hire costs and reprogramming immobilisers.
Only £17.95 for the year. Call us on 0800 997 8232 to add this to your cover.