Modified Car Insurance - How Does it Work?

Finding insurance for a modified car can be an expensive task if you don't know where to look and what policy options you need. So let's take a look at how modified car insurance works and how you can find a competitive deal.
Insurers charge higher premiums to drivers with cars that have been modified for a number of reasons. Generally, cars with enhanced features such as alloy wheels, boosted hydraulics and blacked out windows are prone to vehicular theft and vandalism. In addition, cars that are modified with faster engines are more likely to be involved in a high speed car crash or their parts may be more difficult to replace and repair.

As such it's almost certain that you will pay more on car insurance premiums for a modified car compared to a conventional vehicle - however, that doesn't mean that you can't find cheap and effective cover.
There are a number of specialists that offer modified car insurance with unique features that are designed for modified car drivers. These include agreed valuations so that the value of your vehicle is pre-determined in case it is written off to avoid disputes. Also available are laid-up insurance, for when your car is off the road, and track day cover in case you plan to enter the car into events such as rallies and sprints.

Many of the specialist modified car insurance providers also offer a series of discounts tailor made for these drivers. These include discounts if you are a member of a car club or online forum; reductions for agreeing to a limited mileage; and discounts for passing an advanced driving course.
Despite the specialist nature of these policies you shouldn't fall into the trap of assuming these are always the cheapest. Many conventional insurers offer comprehensive policies and may be willing to cover your modified car.
So use a comparison website to compare car insurance quotes and find a modified car insurance deal that's right for you