In the UK Modiying a car has become a way of life for many of us, wether you’re male or female, 17 or 50, wether you own a Ford Fiesta or a Nissan Skyline GT-R tweaking the performance or styling of the car you love should’nt be punished by an increase in your insurance premium that frankly can cost you so much you wonder wether it was even worth doing. Well that’s the opinion of a lot of people, especially with younger drivers, why are we punished for wanting to individualise our cars from UK Car Insurance Companies, what good mods can we do to increase performance, improve the look without putting our annual quotations in the thousands and what mods can we get away with without telling the insurers ? Well if you find yourself asking these questions then you are in the right place because that’s what this website has been created for.
Have you ever modified your car and called your insurance company up to be gobsmacked by your new insurance quote ? Have you ever decided to be honest about a new exhaust you have had fitted or a new set of alloy wheels and after being quoted a fortune wishing you hadn’t ?
Modified Car Insurance is fast becoming more accepted by insurance companies with more cars on the road having some alterations to them and even cars manufacturted having sports mods, alloy wheels and turbo models fitted in factory.
When it comes to Modified Car Insurance you should always, always inform your insurance company of any changes you have made to your car because by not doing so if on the unlikley event you do have a bump or a crash the Modified Car Insurance companies will do anything to get out of paying for the accident meaning you will be left to pay the full cost of the bill yourself.
If you own a car or vehicle of any kind and you have ever made any modifications to it then had a bump or an accident where you’re car insurance have investigated it you may have been one of those people unlucky enough to have your car insurance company decide not to pay out for the accident, to you or any one else involved.
WHAT EXACTLY IS MODIFIED CAR INSURANCE ?
With the increasing popularity in Modified Cars, General Car Modding, Tuning either by performance parts such as engine mods, induction kits, perfomance exhausts etc or by styling such as body kits, alloys, spoilers or front or tail light modifications that are not stock parts a few Insurance companies have started to accomodate for such things and quote you pretty reasonably for it.
But the fact is not many Insurance Companies out there do quote fair, reasonable prices and are still living in the stone age and the worst part of this is that thousands of people in the UK are paying way over the odds, paying stupid prices for Modified Car Insurance.
So we are here to try and explain the do’s and don’t of Modified Car Insurance and try and save you money.
Modified Car Insurance is when you Modify a Car away from its standard stock or factory part, whether your increasing the Cars performance or simply replacing the wheels with bigger ones you need to inform your insurance company to save the unfortunate event of a none payout after an accident. Technically even if you add a spoiler or change the lights from none standard you should be informing the insurance company.
MY CAR WAS MODIFIED WHEN I BOUGHT IT DO I STILL NEED MODIFIED CAR INSURANCE ?
In short yes, even if you have bought a car with modifications on you need to inform the insurance company what part of the Car has been Modified, whether its a sporty model, Japanese import or has what you know as none standard Modified Car parts such as bigger alloys you should let your insurance company know just incase.
WHAT ARE THE BEST INSURANCE COMPANIES FOR MODIFIED CAR INSURANCE ?
Well this is the big question is’nt it and there is’nt really a simple answer and there are several important factors that substitute for the answer and these factors depend on your age, the length of time you have been driving, how many no claims you have and shockingly to a lot of people where the vehicle is generally stored overnight with a gargage being better than leaving it parked on a street and of course a major factor with Modified Car Insurance what mods your car has got an how they will affect the overall power and handling of the vechicle and how much more appealing it makes that car to a potential car thief or car parts thief.
Have a look at our Top UK Modified Car Insurance list to see the best websites and Modified Car Insurance companies around at the time. So if you are looking for Cheap Modified Car Insurance or Japanese Import Car Insurance then look no further, please visit our other pages and our Gallery.