How to insure a modified car

Modified classic and custom cars require bespoke car insurance. Find out how modifications can impact your insurance.

If you’re the proud owner of a classic or vintage car, you’ll know these vehicles can require a huge amount of alterations to keep them in tip top shape. So, if you’re considering making improvements to your car, it's worth bearing in mind how these modifications could affect your insurance.

Whether purely cosmetic or a move to enhance the power of your engine, even the smallest changes to your Aston Martin or Jaguar E-type could impact your policy – which is why it may be worth considering RH Specialist vehicle insurance for your car cover instead.

What is modified car insurance?

Whether it’s putting in a new engine or applying a simple re-spray, almost all modifications are designed to boost your car’s appearance or performance.

However, if those same changes make the vehicle’s value go up, or change how the vehicle will be used, it could invalidate your insurance policy. That’s because modifications are usually seen by insurers to increase two things – the risk of accident or the risk of theft.

While you may be able to negotiate a slightly higher premium to accommodate any small tweaks, many insurers won’t cover you for major alterations. This is why RH insurance is quickly becoming the go-to option for classic car enthusiastics wanting to improve their pride and joy without losing that essential cover.

What modifications require custom car insurance?

Here are some common alterations which can require custom car insurance:

  • changes to the bodywork or paintwork such as resprays
  • adding stripes, decals or badges
  • engine, exhaust or suspension upgrades
  • transmission or gear changes

No matter how big or small the alteration, it's worth bearing in mind the potential consequences for your car insurance policy.

Is car insurance for modified cars more expensive?

Anyone who has started the hunt for car insurance will know that many insurers charge high premiums for modified vehicles. The great news is that here at RH Specialist vehicle insurance, we already know the complexities of maintaining a one-of-a-kind vehicle, so won't charge you the excessive costs you may encounter elsewhere.

Give us a call today on 0333 043 3911 and we'd be happy to discuss your vehicle's modifications and provide you with a quote.