Modified Car Insurance from Keith Michaels
Your modified car has had hours of work poured into it. Don’t throw all that hard work away by getting a car insurance policy that doesn’t provide the protection you need or restricts what you can do.
Speak to our modified car insurance brokers at Keith Michaels. We’ve been providing cheap modified insurance policies for over 30 years. No matter the modification, we have specific insurance schemes in place to cover your car.
Our brokers are all fellow enthusiasts themselves, so you know you’re speaking to someone who understands and appreciates the modifications you’ve made to your vehicle.
With cover from a Keith Michaels modified car insurance policy, you can rest easy knowing that everything is protected – with premiums at the right price. We have insurers happy to cover you, so speak to one of our specialist modified brokers today for your modified car insurance quote.
Why Choose Our Modified Car Insurance Policies?
- Unless a modification affects your horsepower, your premium is unlikely to change (terms and conditions apply)
- Like-for-like replacement of modified parts after a claim
- Modders viewed favourably as we know you’ll truly care about and look after your car
- Our brokers also modify their cars, meaning you’ll speak to someone who understands your unique requirements
- We arrange tailormade policies, we don’t take a cookie-cutter approach
or call us on 0208 329 1150
The Keith Michaels Difference
- 30 years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
Why Choose Keith Michaels for Modified Car Insurance?
The Scheme is Perfect For:
- Drivers aged 25+
- Any modifications considered (excluding nitrous oxide)
- Car Enthusiasts
Discounts For
- Limited mileage
- Enhanced vehicle security
- 2nd or 3rd cars
- Owners clubs
- Secure parking access
Benefits
- Priority claims management
- Agreed value policies available on request
- Like for like replacement parts following a claim
- Staff have over 30 years’ modified experience
- Repairer of Choice
- Salvage Retention
What Counts as a Modified Car?
If your car has been changed at all compared to factory edition, it’s classed as a modified car. This isn’t limited to performance modifications. Any new additions may be considered a modification, even if it’s a manufacturer branded accessory.
The following are the most common types of car modifications:
- Car bodywork modifications, such as spoilers or body kits
- Engine or mechanical modifications that impact car performance or reliability, e.g. cold-air intakes, exhaust systems or ECU modifications
- Modifications that change how your car handles, such as uprated brakes or lowering springs
- Visual modifications, e.g. resprays, vinyl wraps, new alloys or tinted windows
- Car accessories
- New or upgraded sound and entertainment systems
For a full list of modifications and how they affect the cost of your car insurance, read our Car Modifications Insurance Guide.
What’s Covered by Modified Car Insurance
Modified car insurance offers the same cover as standard policies, but includes additional cover for any modifications you’ve made to the car. Modified car insurance includes everything you’d expect from a typical policy, including options for courtesy car entitlement, breakdown cover and windscreen cover.
Some car modifications are illegal and can’t be covered by modified car insurance. Read our Guide To UK Legal Car Modifications for a full list of what will and won’t be covered.
Get in Touch for your Modified Car Insurance Quote Today
or call us on 0208 329 1150
Useful Modification Resources
Guide To UK Legal Car Modifications
Car Modifications Insurance Guide
How To Keep Modified Car Insurance Costs Down
Modified Car & Insurance FAQs
What’s covered by modified car insurance policies?
Modified car insurance offers the same cover as standard policies but includes additional cover for any modifications you’ve made to the car. Modified car insurance includes everything you’d expect from a typical policy, including options for courtesy car entitlement, breakdown cover and windscreen cover.
Some car modifications are illegal and can’t be covered by modified car insurance. Read our Guide To UK Legal Car Modifications for a full list of what will and won’t be covered.
Why is modified car insurance more expensive elsewhere?
The cost of your insurance policy is calculated based on the risk of a claim and the potential size of a pay-out. Modifying your car can affect this in a number of ways:
- The power and performance of a car can increase the risk of an accident
- Modifications can impact the reliability of a car and aftermarket modifications have little or no guarantee against failure
- Increased car value
- Car modification can change its insurance group
- Modified cars are often seen as more attractive to thieves
Although insuring a modified car is typically more expensive than its stock counterpart, a lot of extra cost can be avoided with a specialist modified car insurance policy. As specialists in this field, we’ll make sure you’re not paying any more than you need to.
Do you offer modified car insurance discounts?
Almost all modified cars are owned as second cars, used on a limited mileage basis, are show cars or cherished cars. We have modified schemes that cover all these and therefore discounts can often be increased in these circumstances. If you are a member of a Car Club or an Owners Club then you will more than likely to be entitled to a discount. We also cover modified hot hatch, sports car and high performance cars too.
How can I reduce the cost of modified car insurance?
Even modified car owners can make extra savings on their insurance premiums. You’ll receive discounts on your policy for:
- Low or limited mileage
- Keeping your car safe on a driveway or garage overnight
- If your vehicle is a 2nd or 3rd car
- Owners club membership
- Paying for your policy annually instead of monthly
