Our Modified and Enthusiast Policies
As a broker specialising in modified and enthusiast car insurance, we’ll help you arrange the best cover for the best value. We have over 30 years’ experience arranging car insurance for modified cars and enthusiast drivers, explore our policies below.
Modified Classic Car Insurance
Is your classic car modified? We can help you with our modified policies.
Japanese Import Car Insurance
We’ve got over 30 years of experience insuring imported cars from Japan.
Decommissioned Taxi Insurance
If you’ve bought a decommissioned taxi, then you’ll need specialist insurance.
Our Insurance for Modified and Enthusiast Cars
If you own modified or enthusiast cars, then you know it can be hard to find a competitively priced insurance policy that covers your car to the right amount. Our specialist brokers will ensure that you get an insurance policy that provides you and your car with not only a reasonable cost but a comprehensive and fair level of cover.
What our Modified and Enthusiast Insurance Policies Provide:
- No premium change for most modifications not affecting horsepower (terms and conditions apply)
- Like-for-like replacement of modified parts after a claim
- Valued recognition for modders with an understanding of unique needs
- Brokers who also modify cars, ensuring relatable and knowledgeable service
- Customised policies, not generic, for a tailored approach to your needs
- Certain Owner Club discounts
or call us on 0208 329 1150
You can also email one of our expat brokers if you’re overseas: [email protected]
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
Speak to our Modified and Enthusiast Car Insurance Experts
We’ve got over 30 years’ experience arranging modified and enthusiast car insurance, from smaller changes like paint colours to Batmobile’s (yes, really). Get in touch and speak to one of our modified brokers today.
or call: 0208 329 1150
Useful Information for Modified Car Owners
At Keith Michaels, we’ve got vast experience in modified insurance and all the nuances it comes with.
We’ve put together a series of guides from declaring modifications to how to keep modified car insurance costs down.
Take a look at our modified information section to learn more about modified car insurance.
Modified and Enthusiast Insurance FAQs
What is modified car insurance?
Modified car insurance is a type of car insurance for cars that have been altered from their original factory specifications. This can range from simple modifications like a new paint job or alloy wheels, to more significant changes such as engine upgrades, suspension modifications, or body kits. Some insurance providers may not cover certain types of modifications, so it’s essential to check with your insurer for specifics.
What is enthusiast car insurance?
Enthusiast car insurance is a type of insurance designed specifically for car enthusiasts, covering classic, unique, and modified vehicles such as Japanese imports, decommissioned taxis and show vehicles. Enthusiasts can be anyone passionate about restoring their vintage Triumph to someone wanting to modify their Renaultsport 182 Cup.
What types of modifications are covered by modified car insurance?
Most insurers cover standard modifications such as engine upgrades, suspension upgrades, and body kits, but some may not cover more extreme modifications. At Keith Michaels, we often don’t need to change premiums unless there’s a change to the horsepower of the car.
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
What are the benefits of enthusiast car insurance?
Benefits of enthusiast car insurance policies from Keith Michaels include:
- Like-for-like replacement parts
- Agreed Values on request
- Track cover on request
- Repairer of choice (subject to insurer) – the majority of insurers do not allow this
- Salvage retention in the event of a write off
- 2nd car discounts
- Mirrored No Claims Bonus
- Ownership discounts (dependent on how long you’ve owned the car)
- Discounts for how long similar car(s) have been owned – great for new purchasers