Home  Cheap Modified Car Insurance Quotes
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Performance Car & Modified Car Insurance
Cheap car insurance quotes are affected by the car modifications you make. Click on any one of the selected motor insurers advertised. |
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Performance - Modified Car Insurance & Groups
Insurance companies take performance abilities and engine size as a major determining factor in the group rating decision process. Modifying vehicles has been growing in popularity since the advent of ’Hot Rods’ and more recently when the movie The Fast And The Furious was released. Since then the popularity of modified Japanese imports has received an unprecedented growth. Once the majority of accessories was restricted to the humble Golf, XR3i and occasional Clio. Not so any more! Most insurers have strict criteria about what modifications they find acceptable, and the drivers age too. Before you purchase a heavily modified car or if you are thinking about doing the work yourself, motoworld.co.uk suggests that you consult potential insurers first. They will provide you with details on acceptability and the cost for cover. This will prevent any nasty surprises, especially if you are under 25. Performance Direct are specialists in Modified Car Insurance and Performance Car Insurance so it may be wise to get a quote by clicking on the related link before you make any decisions. elephant.co.uk will insure under 25s and motors fitted with the most popular aftermarket modifications, eg. alloy wheels, spoilers etc., but not everything can be easily insured. eg, Nitrous Oxide kits are currently unacceptable to most insurers. elephant.co.uk will also quote for vehicles that have been professionally fitted with performance-boosting "engine chips", subject to conditions. If you recall on a previous page it was stated that repair costs affect the cars group rating too and this then correlates with the repair costs of a heavily modified car! The more it costs the higher the insurance groups goes..
How it works
1. Declare Every Modification!
This includes if you bought your car already modified.
2. Interior Car Modifications
This should not generally affect your premium, unless it makes driving more dangerous.
3. Body Styling modifications
A ’body kit’ should be declared. Minor changes shouldn't’t cost a lot more.
4. Alloy Wheels & Brake Modifications
Unless standard manufacturer fitment big shinny rimmed alloys will put up the premium a little Aftermarket brake discs and brake pads should also push up your insurance quote, it’s not a safety thing it’s a speed thing.
5. Engine Modifications
Induction kits shouldn’t affect your premium too much, but engine remapping as mentioned above will! Do not exceed 25% unless you want to make it hard to find an insurer!
6. Aftermarket Lights & Suspension Alterations
Providing your replacement lights are legal, there may not be a problem, but check before you buy. The same goes for lowering your suspension settings. A set of lowered springs may be cheaper than the premium increase. Lights and suspension are critical safety devices which makes insurers weary of alterations.
7. Aftermarket Security Alterations
Mention any security your car may have including alarms, immobilisers, wheel and steering locks too. If you have state of the art satellite security this may help keep your premium down. Generally professional fitment is required and certification of fitment may be required through an authorised fitment retailer. DIY work may not be acceptable. See www.thatchem.org
DISCLAIMER:
Motoworld.co.uk does not advise on or recommend or sell insurance for or on behalf
of any insurance companies listed on this site. Motoworld.co.uk is not responsible for or in connection with, any insurance products
or services found here. These are subject amongst other things to the Insurers' separate terms and conditions which you should read.
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