If your car has been modified, you'll usually need to declare those changes when arranging insurance. Modified car insurance is designed for vehicles that differ from the manufacturer's standard specification.
What counts as a modification — and how it affects cover — can vary between insurers, which is why comparing options is important.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK drivers who:
A modification is any change from the car's original factory specification. This may include:
Different insurers define modifications differently, so always declare changes clearly.
Insurance pricing can be affected by:
Some modifications may increase premiums, while others may have little effect — it depends on the provider.
If you're considering pay monthly options, check the total amount payable including any interest or fees. Having a good no claims bonus (NCB) may help when comparing modified car insurance options.
Start your quote online now and view options available from UK providers.
Start a Quote in 2 Minutes →This page was created to explain how modified car insurance typically works in the UK and what drivers should consider when comparing options. It is reviewed for clarity and updated as needed.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice.
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