The Most Frequently Asked Questions About Modified Car Insurance

We’re taking the time to answer some of the most frequently asked questions by our customers when they come to us to buy insurance for their modified cars.

Here at Safely Insured, we know how much work and care goes into modifying your cars and we believe they deserve to be protected.

So, if you’re planning on making some modifications, or you’re just looking for the right insurance for your car – read on!

What do you class as a modification?

We get a lot of questions asking if  certain components classes as a modification. It’s pretty simple for us – anything that has been altered (or added) from factory standard, is a modification. If you’re not sure about something, just ask a member of our team to be sure! We as insurers need to know about all potential modifications to provide the correct cover for your car.

What happens if I add more modifications after taking out a policy?

As mentioned previously, the insurer needs to know every single modification that your car has. If you fail to declare all of the modifications, it could affect the validity of your insurance if end up making a claim. So, if you do choose to add any more modifications – make sure to call up the team to let us know!

Are there any ways that I could get a cheaper premium for my modified insurance?

The (not so) secret way to reduce your insurance premium, is to prove that you’re less of a risk to insure. Some potential ways that could help reduce the costs include:

• Increasing the security features such as an alarm or immobiliser that effectively prevent car theft or break ins.
• Parking your car somewhere safe such as a locked compound or garage.
• Installation of a tracking device for high value vehicles.
• If you don’t plan on doing a lot of miles you could be entitled to limited mileage discounts.

Remember, the price of your insurance premium is dependent on your own unique details meaning a reduction in price isn’t guaranteed.

What’s your acceptance criteria for modified car insurance?

The minimum requirements for a “Third Party Fire & Theft” cover under a Safely Insured policy are:

• You must be at least 19 years’ old
• You must have at least 1 year NCB (No Claims Bonus) or proof of 'claims free' driving
• You must have held a full UK driving licence for a minimum of 2 years

The minimum requirements for a “Comprehensive” cover under a Safely Insured policy are:

• You must be at least 21 years’ old
• You must have at least 1 year NCB (No Claims Bonus) or proof of 'claims free' driving
• You must have held a full UK driving licence for a minimum of 2 years

What cars do you insure?

Safely Insured has several schemes to cover many distinct categories of modified, imported and performance cars.

Modified Car Insurance

If you have a modified car or planning to modify one, our dedicated team is here to help.Click the button below or give us a call on 03303 331 251 if you’re looking for a quote or if you have any questions. We’re open 9am-6pm Monday-Friday and 9am-4pm on Saturdays.

For more information, visit the Safely Insured Modified Car Insurance webpage.

Further Information: Modified Car Insurance | Get a Quote | Safely Insured Website