Opening Hours - Monday to Friday 09:00 - 17:00, Saturday 09:00 - 1300
Opening Hours - Monday to Friday 09:00 - 17:00, Saturday 09:00 - 1300
Specialist Modified Car Insurance policies from genuine car enthusiasts
Get an instant online quote for Modified Car Insurance with all your mods declared and covered with our unique cheap prices for modified cars.
Say ‘goodbye’ to the modified car insurance blues, with Safely Insured! Have you had enough of comparison sites that don’t offer modified car insurance quotes?Tired of your standard car insurance brokers that don't understand what you’ve done to your modified car?
At Safely Insured, we specialise in modified car insurance for unique vehicles like yours - we have been successfully running our specialist modified car scheme for over 20 years.
Our staff members understand the intricacies of car modifications - because they are car enthusiasts themselves, and we can provide tailored coverage to fully protect your modified vehicle.
Get an online modified car insurance quote today and discover why we're a leading insurance provider for modified cars. With a modified car insurance policy designed specifically for your needs, you can drive with confidence, knowing that all your car modifications have been declared and are covered under the policy.
With Safely Insured, your modified car is in safe hands.
Being a modified car enthusiast means you know all too well how much time, effort, and passion goes into making your car truly a reflection of your personality. But with all those modifications, getting affordable yet comprehensive insurance can be quite a battle. And how do you then get an insurance policy to protect the unique features of your car without burning a hole in your pocket? That's where Safely Insured’s Modified Car Insurance Scheme comes in.
An insurance company with over three decades' experience, Safely Insured has consistently provided owners of modified cars with affordable and tailored insurance solutions. At Safely Insured, we understand how important it is to have a policy that is just as unique as your vehicle. We will make sure to utilise our specialist knowledge in finding you the perfect coverage at an affordable price: no hours of explaining every type of modification; no stress, no hassle.
At Safely Insured, we believe modified car owners who invest in car modifications are more likely to prioritise maintenance and safe driving practices. Our insurance provider philosophy aligns with this, offering cheap modified car insurance to reflect the responsibility and dedication of these drivers.
We aren’t just another call centre; we are a team of UK-based, modified car insurance experts.
Benefits of Choosing Safely Insured
We provide cover for all types of modified cars, from Japanese imports to high-performance models. Whether it's for improved performance or just for style, be rest assured we will get you the right coverage at the right price. Protect your car with instant cover and the option for monthly payments.
No two cars are alike, off the lot or off the production line, so why should your insurance be? As a specialist insurance provider; we specialise in crafting customised insurance plans that satisfy the specific needs of every modified car owner. We have you covered from bumper to bumper.
Modified cars have special needs, but that does not mean your insurance needs to come with a hefty price tag. We have managed to negotiate, on the behalf of modified car owners, the cheapest modified car insurance prices and we are committed to keep our rates competitive with transparent pricing. No hidden fees - just great coverage.
A modified car is more than just a ‘vehicle’ to the right person - it's a labour of love. Whether you've tuned your car for performance or just gave it a new look with a cosmetic mod, the modifications to your vehicle make it truly one-of-a-kind. But a great car modification calls for great protection.
At Safely Insured, we've been providing cheap modified car insurance for decades. We understand cars - because we’re car enthusiasts too. Protect your pride and joy with a policy that fits like a glove; be it cosmetic mods or performance upgrades.
Modifications aren't all about boosting power and overall performance, especially in the case of cosmetics. Any change or addition you make to your vehicle can be considered a modification - even if you use manufacturer-branded parts.
Some of the more common car modifications are listed below:
This is because there are a wide range of modifications that can be made, and even minor changes can affect your insurance coverage - so you need to make sure everything is accounted for.
Our modified car insurance policies cover everything a standard policy would, but with the added protection for your modifications. This includes coverage for parts and upgrades, so whether it's your sound system or your upgraded engine, you can rest easy knowing it's all taken care of if you ever needed to make a claim.
Modifying your car can make it more valuable but in general, changes the driving experience and increases risks, and that's why modified car insurance is usually a little different from a standard car insurance policy.
The sorts of modifications you make, particularly aspects such as torque, horsepower and braking, will have an effect on insurance premiums, as does driving history and location of where the car is kept. All of these factors set modified car insurance policies apart from regular car insurance.
But don't worry: we are experts in this field, and we're here to help you get a policy balancing price and coverage matching your car's performance - Safely Insured have exclusive modified car cover rates. As a starting point, you can run through an online modified car insurance quote from our website, and from there you can either buy cover online or discuss your requirements in more detail with our sales agents.
When valuing your modified car for insurance, here are a number of things a specialist insurer will consider:
This is because a specialist modified car insurer like Safely Insured can assess these factors comprehensively - and get the best deal for you.
Performance Modifications: Designed to improve power, handling, and efficiency—like upgrading wheels, adding spoilers, or tuning the engine.
Cosmetic Modifications: Transform the look of your car, allowing personal expression through custom paint, vinyl wraps, tinted windows, and body kits.
When it comes to modifying your car, you can focus on two main areas: vehicle performance upgrades and cosmetic enhancements.
Performance modifications are components designed to improve the vehicle’s power, handling, and overall efficiency. Examples include upgrading your wheels and tyres for better grip, adding a spoiler to improve aerodynamics, a new exhaust system, engine tuning, suspension upgrades, or tweaking the engine to boost horsepower and make power gains.
On the other hand, cosmetic modifications are all about transforming the look of your car, allowing you to express your personal style. These changes can range from an exterior cosmetic mod of a fresh coat of custom paint or vinyl wraps, to new decals, tinted windows, or even a bespoke body kit.
While a performance mod will usually focus on improving how your car drives, cosmetic mods are all about making sure it stands out on the road. Both types of modifications reflect a deep passion for your car, but they each have their own unique impact on your vehicle.
Both types also have their unique impact on modified car insurance: performance modifications may increase the vehicle's risk profile (more horsepower, for example) and value, potentially leading to higher premiums. In contrast, cosmetic modifications generally affect the vehicle’s appearance rather than an upgrade to its performance, which may not significantly impact insurance costs.
However, it's crucial to declare all modifications, regardless of type, to ensure that you have the appropriate coverage and protection in the event of a claim. Our modified car policies can offer you cover for your modifications on a ‘like for like’ basis, meaning if the item is damaged, it will be covered for a replacement to the true value or same brand, so you don’t end up with a cheaper version replacement.
By declaring all of your car modifications, an insurer knows the full value of the car with those modifications added. This safeguards the money spent on modifying the vehicle, and also reduces the risk of holding a policy where these modifications are not declared; potentially voiding the insurance coverage. This is especially important for classic cars or modified cars with refitted or replaced parts.
Listed below are some common examples of both cosmetic and performance modifications; both of which can impact modified car insurance:
| Cosmetic Modification | Performance Modification |
| Alloy Wheels | Engine Tuning |
| Body Kits | Turbocharger |
| Spoilers | Supercharger |
| Custom Paint | Nitrous Oxide |
| Decals | High-performance Exhaust |
| LED Lighting | Performance Brakes |
| Interior Upgrades (e.g. seats, trim) | Suspension Upgrades |
| Lowering Kits | Gearbox Modifications |
| Rims | Cold Air Intake |
| Grilles | Cam Shafts |
| Exhuast Tips | Engine Swaps |
| Headlights | Performance Chip |
When it comes to modified cars and modified vans, finding the right coverage is crucial. We specialise in offering competitive rates for both modified car insurance and modified van insurance.
Our expertise in the field of modified car insurance sets us apart as industry leaders, ensuring you receive the coverage you need with the peace of mind that comes from being in the capable hands of a specialist insurer. We understand the unique requirements of modified vehicles and offer tailored insurance policies to protect your investment.
Make the smart choice today and secure your modified car insurance with us to drive with confidence on the road.
From performance car insurance to Japanese import car insurance and American car insurance, we have options for every modified vehicle. Find the perfect modified car insurance policy for your needs.
Visit our website today for a quick and easy modified car insurance comparison and secure your modified vehicle with us.
This year, we brought back The Safely Insured Customer Modified Car of the Year competition - where we can showcase the incredible talent and dedication of our modified car community.
Read more about the competition over on our blog, and have a look at this year's top 5 entries below!
Dale's Mitsubishi Lancer Evolution VI Tommi Makinen Edition is a heavily modified powerhouse.
Pumping out 417.9bhp, this Evo is a force on the road. Extensive engine upgrades, a larger turbo, and a free-flowing exhaust system deliver serious power - while a beefed-up cooling system ensures everything stays in control. Upgraded suspension components sharpen handling, and the stripped interior hints at the focus on pure performance.
Thanwa's Nissan Skyline R33 GT-R is built for pure driving pleasure. This isn't your stock Skyline - under the hood lies an Abbey Motorsport built engine pushing out 512bhp, force-fed by Garrett turbos and breathing through a free-flowing HKS exhaust. A Link G4+ ECU ensures everything runs smoothly, while a full Nismo body kit adds aggressive aesthetics. Tein coilovers tighten up handling, and Rays Volk Racing wheels complete the performance package.
Inside, a Kenwood sound system provides the soundtrack, but the true joy comes from the way this R33 GT-R handles. A driver's car brimming with character and feedback.
Jake's 1964 Pontiac Catalina is a sun-baked survivor, a true desert warrior with a story to tell. Its 6.4L Pontiac V8, a classic American engine, might not boast record-breaking horsepower, but it delivers honest power and likely a wonderful rumble.
As for the body; years under the merciless Arizona sun have baked away the paint on the upward facing surfaces, leaving a unique, textured finish. It's a testament to the car's resilience and a conversation starter at every show.
Chris Vincent's Toyota Supra A80 HKS is a driver's dream. This 3.0L beast pumps out 350bhp, begging for open-air thrills. Wrapped in HKS goodness: Nardi steering wheel, Bride Eurostar seats, and floor mats - the interior complements the iconic Blitz Technospeed Z1 alloys.
Chris loves nothing more than the pure roar of the engine, especially with the roof down. This Supra is pure performance and heritage, ready to carve up the road.
Will's lovingly restored 1996 Volvo 940 is a head-turner. Its 2.3L turbocharged engine delivers classic Volvo performance complemented by a host of stylish upgrades. A 3-inch custom exhaust lets everyone know it's coming, while BC Racing coilovers lower the stance for a more aggressive look.
The eye-catching 17-inch gold JR6s wheels and Nardi steering wheel add a touch of class both inside and out - but the true charm of this Volvo lies in the wave of nostalgia it evokes, sparking memories for everyone who encounters it. It's a testament to the enduring appeal of these Swedish wagons.
A. Everything you'd expect from a standard policy, plus added protection for your modifications cover ‘like for like’.
A. Not necessarily, as our Modified Scheme’s rates are very different from standard insurance rates - on many modified vehicles, you will find that we are actually cheaper, because we have negotiated with the insurers a unique set of rates for modified car owners. Of course, some performance modifications that change the way that the vehicle handles may increase the overall value and the risk of your car; and insurers will take that into consideration when pricing the premium accordingly. The simplest way to check is try our online quote system, it just takes a few minutes to get a modified car quote.
A. Yes, it’s important to declare all of your modifications to your insurer, however minor they might seem to be. That is the idea behind our Modified Car Insurance Scheme - there shouldn’t be any surprises if you need to make a claim - and the vehicle and its modification will be covered to their true value.
A. Failure to declare modifications may potentially result in your car insurance cover being cancelled and your policy being void, and any claims refused as a result. You must be up-front with all changes.
A. Insuring modified cars presents unique challenges compared to standard car insurance. These include:
Insurers must carefully consider these factors to offer appropriate coverage for modified car owners while effectively managing risk.
A. Many insurers exclude certain high-risk modifications, such as nitrous systems for example. It’s always worth speaking to our team to find out what is and what isn’t available to offer cover on.
A. Yes, at Safely Insured we can provide import car insurance for a variety of imports, including Japanese Imports and High-performance cars with specialist performance car insurance. We can also offer Sports Car Insurance, as these vehicles are often modified themselves.
A. Other providers may see modified cars as higher risk, whereas at Safely Insured we see this as evidence that you are more likely to look after your vehicle better. We're modified car cover specialists and know how to offer great coverage at a competitive price - and you may well be pleasantly surprised that it is not always more expensive.
A. If you plan on adding more modifications, just let us know! We'll update your policy accordingly to make sure you are fully covered. Let us know about your future car modification plans prior to taking out the policy and we will be able to confirm how this is likely to change things, if at all.
A. At present, we do not offer insurance policies for a number of different vehicle types. These include:
A. Under a Safely Insured policy, the minimum requirements are:
A. Under a Safely Insured policy, the minimum requirements are:
We also offer Temporary Car Insurance Policies, which you can view here.
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