Modified Car Insurance

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Why Compare Modified Car Insurance With SimplyQuote?

Tired of sifting through endless insurance options for your modified car? SimplyQuote has you covered.

We understand how long it can take to compare multiple modified car insurance quotes; not to mention how daunting, overwhelming and stressful the whole process can be.

That’s why the 100% free, user-friendly online tool lets you compare quotes effortlessly, ensuring you get the most bang for your buck without sacrificing quality insurance cover.

Compare multiple quotes from leading UK insurers in minutes!

Experience the ease and convenience of modified car insurance shopping with SimplyQuote today and hit the road with confidence and peace of mind!

What Do You Need To Get A Quote?

What’s Classified As A Modified Car?

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Why Do You Need Modified Car Insurance?

What Does Modified Car Insurance Cover?

What Levels Of Modified Car Insurance Can You Get?

Just like standard car insurance, there are three levels of modified car insurance in the UK:

Third-party only (TPO)

  • The most basic level of cover
  • This is the minimum level of cover required by UK law
  • Protects you against third-party claims should you injure someone or damage their property/vehicle with your car
  • It does not cover repair costs for your vehicle

Third-party fire and theft (TPFT)

  • Includes basic TPO cover
  • Will compensate for damages caused to your vehicle by fire or theft of your car
  • Does not cover repair costs or medical expenses in the event of an accident

See: Third-party fire and theft insurance


  • The highest level of cover available
  • Includes TPO and TPFT
  • Will pay for repair costs and medical bills to you/the driver in the event of an accident
  • May include windscreen protection, key replacement cover and incorrect fuel insurance. Check these finer details with your chosen insurance provider.

Note: You must have at least TPO car insurance to remain compliant with UK law.

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What Types Of Modified Car Insurance Are Available In The UK?

What Optional Extras Can You Add To Modified Car Insurance? 

Pick and choose from our list of add-ons for your modified car insurance policies:

Courtesy car cover

This will cover the costs of hiring a replacement car whilst your own car is repaired. Depending on your policy, you may also be covered for a hire car in the event of your car being written off.

Breakdown cover

This optional extra will provide you with cover for roadside assistance if your car breaks down. It may also include the costs of towing your vehicle to a mechanic if it can’t be fixed next to the road.

Windscreen cover

If your windscreen is shattered or cracked, this will cover the costs of having it replaced or repaired. There is usually an excess fee that you will need to pay towards this, and the amount will vary depending on your policy. Some insurance providers may include this cover in comprehensive plans.

No-claims discount protection

If you’re involved in an accident and have to make a claim, you could keep your no-claims discount.

Excess protection

This policy reimburses you for some or all of the excess you pay when making a claim.

Guaranteed asset protection (GAP) cover

If your vehicle is financed, GAP cover helps cover the remaining outstanding balance should your car be written off or declared a total loss.

Named driver cover

Named driver cover (or “any driver” cover) allows anyone with a valid UK/EU driver’s licence to drive your car and if they’re in an accident, you’ll still be covered by insurance.

Personal accident cover

Your insurance provider will pay out if you’re killed or injured as a result of a car accident.

Legal cover

If you take another driver to court (or are taken to court by another driver), legal cover will cover any legal costs related to this, including compensation.

EU cover

EU cover is beneficial especially if you cross the UK border regularly. It protects you, your vehicle and third-party persons with the same level of cover you would have in the UK.

Some countries require you to have a green card from your insurer, so you need to check the requirements for any country where you intend to drive.

How Much Does Modified Car Insurance Cost?

How To Compare Modified Car Insurance With SimplyQuote?

Comparing insurance for modified cars with SimplyQuote is quick and stress-free:

  1. Fill in the online form: Tell us about yourself, your vehicle, and your location.
  2. Select optional extras: Choose the cover you want to add to your policy.
  3. Compare quotes: Get quotes tailored to your specific needs from trusted UK insurers.
  4. Save cash: Get a great modified vehicle deal today.
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Frequently Asked Questions

What is modified car insurance?

Insurance for modified cars works exactly how standard car insurance does with the inclusion of any modifications. You must declare car modifications to your insurer before taking out an insurance policy. Failing to do so could result in not being covered when you need to make a claim.

How does modified car insurance work?

Modified car insurance operates similarly to regular car insurance but takes into account any additional parts or modifications you’ve made to your vehicle.

Modifications usually increase the cost of your insurance, although this isn’t always the case. Minor changes that serve a practical purpose, such as roof bars or a tow ball, might not significantly affect your premium.

What are the most common car modifications?
  • Bodywork (e.g. aerodynamic body kits)
  • Stickers and body paint
  • Spoilers
  • Alloy wheels
  • Exhausts
  • Parking sensors
  • Engines
  • Tinted windows
Where can I get a modified car insurance quote in the UK?

You can find and compare modified car insurance quotes with SimplyQuote’s online comparison tool. Receive insurance policies from top-class UK insurers within minutes.