Anyone who drives a modified car will know the difficulties of getting a good price on their
insurance. Some insurance companies won’t even offer you a price, while others will charge you
a heavy premium. Lenders see drivers of these vehicles as an added risk, assuming they’re more
likely to be involved with an accident.
Why You Should Declare All Changes
Any car that has additions or alterations to its standard factory specification is what the insurance
industry refers to as a “non-standard” or modified vehicle. If you have multiple modifications,
this will all be grouped under the same insurance rate. It’s important that you make your lender
aware of all of the changes you’ve made to your vehicle, though, even if they aren’t performance
related. If you don’t do this, they may have the right to void your contract or refuse to pay out in
the event of an accident.
Not All Modifications Are Negative
Equally, it’s important to remember that not all modifications will increase your premiums.
Performance enhancing changes like engine tuning can cause your rates to increase dramatically.
Similarly, exterior alterations that are purely aesthetic could still have a negative effect as lenders
feel this could make your car more attractive to potential thieves. However, adding functional
customisations, like parking sensors or extra security measure, may in fact lower your car
insurance premium as your lender considers these as positive additions.
How You Can Lower Your Premiums
If you’re interested in bringing your insurance premiums down, there are a number of things you
can do. Even simple changes, like making sure your vehicle is locked away safely at night, can
have significant effects. The first thing you should do, though, is look for an insurance provider
who offers specialist cover on modified vehicles like A-Plan. This should give you a much more
favorable rate than compared to a standard lender. You could also look to take additional driving
qualifications, such as the Pass Plus scheme. This could be especially worthwhile for younger
Unfortunately, the stereotype of the young “boy racer” getting into trouble shines a negative light
on us all. In reality, the vast majority of those driving modified cars are actually enthusiasts who
are not only more knowledgeable about the inner workings of their vehicle, but are safer and
better drivers too.