Modified Car Insurance

  • We have a dedicated team who specialise in modified vehicles who will always aim to find you the cheapest policy that meets your needs
  • Extensive panel of insurers
  • Low deposit options available
  • We take pride in obtaining cover for vehicles that some would say are “uninsurable.”

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Why choose our modified vehicle insurance?

  • If you have modified your vehicle, from something as simple as adding alloy wheels, to a full on make-over, then we still may be able to provide you with vehicle insurance.
  • If your vehicle is no longer “standard”, we can search our panel of insurance providers to find you a competitive price.
  • As modified vehicle insurance can often be difficult to find, we have a number of insurers who specialise in this type of insurance.
  • We can offer ‘agreed value’ policies that reflect the true value of your unique vehicle, so you get an agreed amount of money should you need to make a claim.

Why choose Business Choice Direct?

Many insurers charge extremely high premiums once a vehicle is deemed to be non-standard, even if the modifications are only something as simple as different alloy wheels.

We recognise that our customers still need affordable insurance to protect their unique customised vehicle. Business Choice Direct have a dedicated team who understand and specialise in modified vehicles. We will always aim to find you the cheapest policy that is tailored to meet your needs.

We have access to an extensive panel of insurers to enable us find the optimum cover. Low deposits options are available. We take pride in obtaining cover for vehicles that some would say are “uninsurable.

We also have a large range of additional products such as; Breakdown Cover, Excess Protection & Legal Expenses to support your modified vehicle insurance. Our insurance experts can help you create an insurance package to make sure you have the right level of cover in place. Our prices and experience mean you can get car insurance at competitive rates as well as great customer service and claims handling, should you ever need to use it.


Do I need to declare all of my modifications?

Yes. It is important to tell us about all the changes you have made, even if they are just cosmetic rather than performance enhancing. You may even get a reduction in your premium with certain modifications. We can look at getting like-for-like cover to allow for the true value of all your upgrades, so you are properly covered in the event of a claim.

What if my car comes with modifications?

Cars bough from an authorised dealer with optional extras like alloy wheels should not affect your premiums too much, if fitted to the manufacturer’s specifications. It’s worth checking what comes as standard so that you can advise your insurer.

Always declare all the details of the modifications, especially if it has enhanced the value of your car, to ensure any future claim is not rejected on the grounds of non-disclosure.

Why do modified vehicles cost more to insure?

Many underwriters are wary of drivers with modified vehicles, considering them to be reckless and therefore prone to accidents. The reality is, however, that drivers of modified vehicles tend to be vehicle enthusiasts who will go to extreme lengths to protect their pride and joy from harm.