Customised Car Insurance Guide

Cheap Modified Car InsuranceIt is often difficult to find car insurance for modified cars because insurers tend to frown on any changes and modifications you make to a vehicle you drive.

A car insurance company views a vehicle that has been modified as a higher risk than a sports car or a car that has been imported because the changes that are made to the modified car may not only be unorthodox, they may present a potential hazard to the driver or to other people on the road.

There is the chance that smaller or peripheral changes such as deciding to add alloy wheels to your car may not result in increases in your insurance rates.

However, even minor alterations such as these may appear to an insurer as modifications that make your vehicle more desirable to potential thieves; this may result in an increase in your claim risk.

When you are in the market for modified car insurance, it is important to keep in mind that any modifications that add value to your vehicle such as new spoilers or bumpers, added exhausts, or raised or lowered suspension springs will typically be checked on a case by case basis by your insurance provider.

Which modifications are most likely to increase modified vehicle insurance premiums?

There are certain modifications you can make to your vehicle that will almost certainly result in increases in your car insurance premiums.

For example, if you enhance or improve the engine or performance of your vehicle, you will most likely have to deal with a higher modified vehicle insurance premium from your insurance company, as the company will decide you have a greater risk of driving at higher speeds.

How to find cheap customised car insurance?

In general, you can expect to pay more money to insure your car if the car has been modified than you otherwise would to insure it if it were in stock condition, but there are still ways to keep the costs of modified vehicle insurance from becoming too expensive.

First of all, you should not make too many modifications to your vehicle if at all possible. In fact, the more modifications you make to your vehicle, the more likely you will be to face significantly higher premiums.

Furthermore, it is a good idea to shop around online and through the phone book so you can collect as many quotes as possible for modified car insurance rates. A comparison website can be extremely useful when making such comparisons and collecting quotes.

Is it worth looking into specialists car insurers as well?

It is also handy to look into specialists related to obtaining modified car insurance quotes. Another advantage of specialists is that they may also be able to offer you various discounts and options related to car insurance, and in some cases, they can even offer modified car insurance for substantially lower rates.

Other options to look into include cover for days at the race track and membership bonuses that come into effect if you join particular owners’ clubs. Additionally, if you look into specialist insurers, you may also be able to obtain an agreed valuation of your vehicle.

An agreed valuation is a simple way to determine exactly how much coverage you have for your vehicle.

Is it necessary to notify your insurers if you make any modifications to your car?

Yes. If you make any modifications to your vehicle, you should notify your insurance company as soon as possible, or else you run the risk of invalidating your insurance cover.

It is a good idea to keep some sort of printed copy of comments you send back and forth between yourself and your insurer related to car modifications you have made, and check to see if you can obtain a quote for the modifications.