Car Insurance for modified cars - tips and a guide

HDi fun

TC ModFather
Points
637
From
Buckinghamshire UK
Car
Passat 2.0 TDi
I know ;)

Genuinely though, insurers will seek to avoid paying out and it's best to make sure they have no leg upon which to stand in the unfortunate event that one is involved in a collision. Otherwise it's a waste of a premium.
 

obi_waynne

Administrator
Staff member
Moderator
Points
1,137
From
Deal, Kent UK
Car
A3 1.4 TFSI 150 COD
They will use every trick in the book to avoid paying out and the assesors they use are paid to pick up on every anomaly.

We had a close call with a BMW owner who opted for larger wheels, if he hadn't got them from the dealer as an option at the time of the sale he could well have been without cover! :eek:
 

Hammy

Wrench Pro
Points
61
From
.
Car
.
HDi has got me a little worried now, as i need my car for work! lol. but seriously, i have told my insurance company about my tiny 15ich rims, and my k and n induction, which bumped it up my £7 a month! but the cat will go back on soon for my mot.
 

Rudders666

Torque Master
Points
162
From
West Yorkshire
Car
Ford Focus ST300+
The best insurance company for me since the modifications seems to be Adrian Flux. It's worked out the same as my policy with esure even though i've now installed a high speed gearbox and a 2.8-litre engine, they cover my alloys for free. Superb! :bigsmile:
 

seanmgzr

Newbie
Points
148
From
portsmouth
Car
mgzr
What is the point in spending a small fortune modifying your car then not declaring it on the insurance.

All that happens is you get involved in an accident and the insurance company go "hey a modified non standard car " and they either dont pay up, cancel your insurance or give you a pittance. Pointless

I used Adrian Flux until I hit the magic over 25 and now use Performance Direct (with all mods declared)

Sean
 

Mx5

Torque Junkie
Points
27
From
Mosman NSW Australia
Car
3.8 V6 Holden Skip
I have a 1.0 Corsa with a Irmsher Exhaust and a slightly diffrent front bumper, first of im with Admiral and my insurance for my first year with them last year was £1300 im a male at 21, for my second year not only have i moved house saving 300 on my insurance i told them that as its a Irmcher Parts its my believe that its how it came out of the factory and they knocked another 150 off my insurance,

Am i right i think i might have made it up lol
 

pgarner

TC ModFather
Points
417
From
Lockerbie, SW Scotland
Car
Octy smoke machine
problem is if they were to look into it they could easily find out as the vaux should have the original order on computer incase parts need to be ordered for it and this would show that they didnt come with them as standard.

insurance companies are meant to be made aware of optional extras that were on the car at time 1st registration,

elephant didnt charge me more for my 17s as they are VW ones - well VW group anyway
 

StevieDB9

Road Burner
Points
72
From
(was) Allanton, Scotland
Car
Ford Focus 1.4
im with admiral as they are by far the cheapest for me but they can be a pain. for one a woman ran into the back of me whilst sitting at red lights; even though she admitted fault and her insurance company covered all the costs, my insurance went up £40 (checked online making claim vs no claims), enquired about it and apparently even though it was not my fault I must obviously be a higher risk driver. go figure. also they charge extra for optional extras but dont replace them should they be damaged, how that works when there's a factory fitted body kit i'll never know :S
 

admin

Administrator
Staff member
Points
262
We have some insurance deals in place and I've added them to the original post in this thread. So if you want a good deal try those links first when your policy is due. ;)
 

manracer82

Wrench Pro
Points
16
From
Berwick England
Car
Vauxhall Astra MK4
i agree but also think there is a distinction between what is their business and what is yours as its their business if you mess around and start lowering the suspension but none if you are actually improving safety at garage and have 12 month mot thats yours i wouldnt inform them every job had done to the car i would be on the phone to them every week it comes down to safety if you make engine more powerful then tell them if you feel you need to
 
Last edited:

pgarner

TC ModFather
Points
417
From
Lockerbie, SW Scotland
Car
Octy smoke machine
so your saying if i put on a huge 6 pot set of brakes on the front with racing pad, braided lines etc then i shouldnt need to tell them ? because im making the car safer
 

T9 man

TC ModFather
Moderator
Points
1,137
From
London, UK
Car
Saab 9-3SS T9
i agree but also think there is a distinction between what is their business and what is yours as its their business if you mess around and start lowering the suspension but none if you are actually improving safety at garage and have 12 month mot thats yours i wouldnt inform them every job had done to the car i would be on the phone to them every week it comes down to safety if you make engine more powerful then tell them if you feel you need to
Well it's not just the alleged safety aspect that you need to notify the insurance company about, but claiming back the cost of these expensive items if God forbid you have an accident and you need to claim replacements. I for one have told the insurance company everything that has been fitted on the beast, and the moment something gets fitted I am on the phone again getting the premium adjusted to suit the equipment installed.
This is because I have spent tens of thousands on my car and if I get involved in an accident, I want every single thing replaced like for like!
 

manracer82

Wrench Pro
Points
16
From
Berwick England
Car
Vauxhall Astra MK4
yes modifications should always be declared but i just wonder how often people do this in reality i have specialist insurance for modified cars meaning about same price as standard business full comprehensive about £ 425 year also i would like to see more emphasis on vehicle safety maybe mot being a compulsory qualification beforehand so they run 12month simultaneously this would make roads safer in my view less accidents from faulty cars being insured
 
Last edited:

Prince

Torque King
Points
242
From
Northampton, England
Car
BMW E36 318is Coupe
I think the reason we have so many accidents in the country is because the the quality of driving is generally quite poor (except us TC lot! :lol).

Everything should be declared unless you quite like going to court and being prosecuted.
 

SLEEPER

Pro Tuner
Points
552
Its realy simple - Maybe we should just be honest

People with bodykits drive on average faster and sillier than those without
And insurance companies know from there records that more cars (as a %) with bodykits have accidents than without .(for the same reason )

Same with mods ON AVERAGEl

If you are going to take issue with the above please read what I said carefully first -

And before anyone replies telling me they have been driving modded cars for years accident free that doesnt change the statistics because yuo are already included in them.
 

Brainscan

New member
Points
21
From
United Kingdom Ipswich
Car
MG ZR+
i completly agree with u, it is safe to no that your completly insured, howeva, why is it, that when i tried to insure my car, because i have onli just passed my test, i had alot of trouble finding a company that wud insure me knowin that my car had alloys and a body kit, i dont think this is fair. i understand that rates may go up, but it givs the impression that we cant have the cars we want as insurance is too high! opinions any1?
Insurers don't want to insure anyone who has held a licence less than a year as 8/10 people have a crash in their first year, couple that with the under 21's being involved in 90% of all RTA's, insurers make a loss on almost all first year drivers. Even if you're paying a couple of grand for your policy, if you hit the barrier on a dual carriageway the repair bill is around £20,000 per meter damaged once everything is replaced. Hope this helps highlight why first time driving is so risky.
 

Brainscan

New member
Points
21
From
United Kingdom Ipswich
Car
MG ZR+
so your saying if i put on a huge 6 pot set of brakes on the front with racing pad, braided lines etc then i shouldnt need to tell them ? because im making the car safer
Brake modifications do not make your car safer!!!! This is a false truth!! Insurers see bigger brakes as a gaurantee you're going to speed. They will not see this as improving safety in anyway and trying to get away with not telling them based on this will result in fraud. I've worked in insurance for years and any alteration from the standard is a modification and will invalidate any policy. Even if the mod is a standard part from a slightly better model, even trim detail is a mod and an insurer can refuse to pay based on this.
 

Brainscan

New member
Points
21
From
United Kingdom Ipswich
Car
MG ZR+
im with admiral as they are by far the cheapest for me but they can be a pain. for one a woman ran into the back of me whilst sitting at red lights; even though she admitted fault and her insurance company covered all the costs, my insurance went up £40 (checked online making claim vs no claims), enquired about it and apparently even though it was not my fault I must obviously be a higher risk driver. go figure. also they charge extra for optional extras but dont replace them should they be damaged, how that works when there's a factory fitted body kit i'll never know :S
You can report any company charging you extra for a non-fault claim as it is DISCRIMINATION. The magic word. It's the same as a company charging extra for a disabled person. Compensation me thinks or some free insurance. Oh and anything fitted by the factory has to have been done at purchase not afterwards, but a body kit fitted at purchase will be replaced like for like and is not a mod it is an option.
 

Brainscan

New member
Points
21
From
United Kingdom Ipswich
Car
MG ZR+
All insurance underwriters HATE car insurance. And any excuse to inflate premiums will be used. As will they use any excuse to refute a claim. This applies across the insurance business in general and stands to reason.

Car insurance is a necessary evil for insurance underwriters - if it was not available then no one could go anywhere in their cars and thereby not be able to afford to buy any other insurance service because they couldn't get to work in order to earn the money required to pay for that service or policy.

Modified cars are difficult for underwriters. How do they quantify the owner/driver? Not qualify - that's different.

You might think that people who modify cars are all intent on going as fast as possible at all times and therefore make the risk/stakes higher.

But, you could argue that driver/owners of modified cars have a better attitude to driving standards and safety. It's fair to say that anyone who modifies their car(s) has an interest in their driving of them. Perhaps they take more care than someone who drives a standard vehicle?

If you have a good history then you shouldn't have problems getting insurance for a modified car with a sensible insurer.

Don't buy on price of policy alone. But don't be ripped off either.

I've been with Privilege for 10 years (it's a Direct Line company) and they have been more than accomodating.

Endsleigh are currently offering me a guaranteed saving of £70 upon taking a policy with them. So, I made the call. They wanted all my details.

I said "NO, you don't need that. I just tell you the price that Privilege has quoted for renewal and you can subtract the £70 from it."

They didin't like that at all. yet that's the offer they made.
Did you actually expect a company to just insure you without asking any details? You do realise they are potentially risking £20 million on you and your car. Plus if people who mod their cars we're safer, better drivers the stats would show this. I mean are you honestly saying the car park boy racers are really attentive sensible drivers? They account for most £1 million+ claims and multiple fatality RTA's.
 

pgarner

TC ModFather
Points
417
From
Lockerbie, SW Scotland
Car
Octy smoke machine
Hey and welcome to the site mate

Brake modifications do not make your car safer!!!! This is a false truth!! Insurers see bigger brakes as a gaurantee you're going to speed. They will not see this as improving safety in anyway and trying to get away with not telling them based on this will result in fraud. I've worked in insurance for years and any alteration from the standard is a modification and will invalidate any policy. Even if the mod is a standard part from a slightly better model, even trim detail is a mod and an insurer can refuse to pay based on this.
This i know, my comment was aimed at the one above where if your making the car safer then you shouldn't have to pay.
All my mods have been declared apart audio mods as theyve always been covered in the policy.

You can report any company charging you extra for a non-fault claim as it is DISCRIMINATION. The magic word. It's the same as a company charging extra for a disabled person. Compensation me thinks or some free insurance. Oh and anything fitted by the factory has to have been done at purchase not afterwards, but a body kit fitted at purchase will be replaced like for like and is not a mod it is an option.
wish id known this a few years ago. might have saved me a little
 

obi_waynne

Administrator
Staff member
Moderator
Points
1,137
From
Deal, Kent UK
Car
A3 1.4 TFSI 150 COD
You can report any company charging you extra for a non-fault claim as it is DISCRIMINATION. The magic word. It's the same as a company charging extra for a disabled person. Compensation me thinks or some free insurance. Oh and anything fitted by the factory has to have been done at purchase not afterwards, but a body kit fitted at purchase will be replaced like for like and is not a mod it is an option.
Not criticising this point but just adding some extra info from a case study I had whilst working as a broker.

We had a client who had 4 non fault claims in one year. The car was parked outside her house each time and someone drove into it. It was decided by the insurer that the location of her home and the fact she always parked on the end of the row was a high risk factor and one they wanted to load the premium for. We tried the discrimination route with them but the underwriters were undeterred at imposing terms.

Also as a note to those not in the industry you only truly get a non fault claim if you/your insurers can recover their costs.

Then to clarify the point about adding "dealer options" after purchase. Most insurers are happy for drivers to add dealer options to their car after purchase (wheels, radio, seats, ABS, HID lights and various internal trim levels etc...). The key here IMO is whether the car is modified from it's standard or usual specification. As long as your car could have come with those options from new you should be ok. IF IN DOUBT ALWAYS ASK THOUGH.
 

T9 man

TC ModFather
Moderator
Points
1,137
From
London, UK
Car
Saab 9-3SS T9
With the price of insurance it makes me wonder how many people tell insurers about mods done to there cars?.
Well ME for one! I have invested 10's of thousands in my baby to date and I fully intend to spend much more in the future. Every single thing is fully declared to Adrian Flux and is covered on a like for like basis.
If God forbid some Neanderthal runs into the Beast and the police arrive at the scene in time to save the cretin, then I want everything put back onto the old girl in the fastest possible way and with zero fuss!

For me, that is money well spent ;)
 

Brainscan

New member
Points
21
From
United Kingdom Ipswich
Car
MG ZR+
Not criticising this point but just adding some extra info from a case study I had whilst working as a broker.

We had a client who had 4 non fault claims in one year. The car was parked outside her house each time and someone drove into it. It was decided by the insurer that the location of her home and the fact she always parked on the end of the row was a high risk factor and one they wanted to load the premium for. We tried the discrimination route with them but the underwriters were undeterred at imposing terms.

Also as a note to those not in the industry you only truly get a non fault claim if you/your insurers can recover their costs.

Then to clarify the point about adding "dealer options" after purchase. Most insurers are happy for drivers to add dealer options to their car after purchase (wheels, radio, seats, ABS, HID lights and various internal trim levels etc...). The key here IMO is whether the car is modified from it's standard or usual specification. As long as your car could have come with those options from new you should be ok. IF IN DOUBT ALWAYS ASK THOUGH.
If all the claims were outside her house then her policy will have been loaded due to the address not her claims. Having 4 claims against the post code means everyone in her street will have enjoyed this jump in premium. If the underwriter was loading her policy solely on the non fault claims and not the post code then they would be breaking the law. If she had taken this to the MIB they may have upheld her case. I've worked on a few where they have and massive payouts were made in compensation.
Also I understand where you're coming from on optional extras but most insurers won't be happy even If they are options at time of first purchase. Buying a second hand base model and putting the smarter parts on isn't acceptable to insurers unless you declare it as modified, because that's what it is. Just because the car could have had those parts doesn't mean you can just stick them on for free. The different models have different insurance groups based on these parts and will affect the price. If you work in claims/assessing or adjusting you'd find that out pretty quickly. Hope this helps.
 

RedlineX2

Tuner
Points
62
From
Helsinki, Finland
Car
none
Are you guys serious with your premiums? 3.5K a year for a 206? I thought i was being had from behind here in Finland. I insured my first car (95 Firebird 3.4) with partial coverage (is that a term?) when i was 19 for 1.6k€. Usually everything car related has extra cost attached here but i guess we're getting a break in insurance huh. Not sure if they'd like to know about the headers & exhaust system, guess i'd better ask...
 

T9 man

TC ModFather
Moderator
Points
1,137
From
London, UK
Car
Saab 9-3SS T9
^^ I know it's shocking what we have to suffer over here! :sad2:

It's not called "Rip off Britain" for nothing.
 

MasterAuron

Very Senior Member
Points
242
From
379bhp 359lbft
Car
Mk1 Focus RS
Streetlight were excellent for me this year, insured with all mods declared AND covered (the important bit!). They understood everything and are much happier insuring a car with well rounded mods than something with 600hp but brakes from a 1.2 Punto.

Whereas Elephant et al are a waste of time and money if you have a number of proper mods.
 

RichiesTrucking

Torque Junkie
Points
22
From
Falkirk, Scotland
Car
VR4 legnum
i havent read through the whole thread but i will add to it anyway

dont be scared to declare mods. i have been with sky insurance for a few years now and i have declared my mods but my premium has never gone up. strut braces, alloys etc made no difference to my premium but there were no power mods with the argueable exception of a K&N panel filter.
then i got the VR4 with an extra 121BHP over the V6, same value (older car) and when it came to mods i handed the phone to the previous owner. dump valve, boost gauge, alloys, lowered, s/s exhaust, air flow controller, aftermarket cat 1 alarm and whatever else. i wanted to be honest even though i was bricking it. i paid cash for the car and had some money in my account for the insurance but didnt know how much it would cost me. they came back and asked me for £74.12, monthly payments remain the same! since then i have changed to EVO 8 brembos and EVO 6 alloys with no increase in my premium at all. mods do not necessarily put huge sums on your insurance but it will depend on the mods, costs and the driver
 

rohitkumar

Wrench Pro
Points
11
From
India
Car
Maruti Wagon R
Car insurance is use to provide financial protection against physical damage and bodily injury resulting from traffic collisions. There are certain general insurance companies who also offer online insurance service for the vehicle. The claims of the Auto Insurance in India can be accidental, theft claims or third party claims. Car Insurance provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability. If accidently car meets any accident then new car insurance company will help us to protect the losses that might occur during driving. One should also hire a car accident lawyer to represent you in the court of law for the best chances at getting the maximum financial compensation that you deserve.
 

ChrisKnottIns

Authorised Trader
Points
42
From
Hastings, UK
Car
BMW 520D M-Sport
Bit of a thread revival, but just to say we're now on board with the forum and are keen on modified cars as well as standard so please try us at renewal.

Thanks.

Quoteline: 0800 917 2274 or 01424 200477.
 

Laureno404

Newbie
Points
1
From
Fermanagh
Car
Dturbo 1.9
Hello guys I'm only 17 and was given a dturbo as my birthday present. It was lowered and at the moment I'm finding it very hard to get insurance anywhere. My quotes have ranged from 10000 to 29000! I am a student and there is no way I can afford that! Any tips please?
 

MaTroy23

Wrench Pro
Points
38
From
Newmarket, Suffolk, UK
Car
Volvo C70 SE 2.0 D
I replaced my wheels recently and I contacted the insurance company before hand. They said as long as hey are the same size wheel and they have the original size tyres fitted to them then it was fine and wouldn't cost me any different. I did make sure that they sent me that in writing though and the new wheels I fitted are very much like originals
 

Similar threads

Top