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Modified Car Insurance

Specialist modified car insurance for your pride and joy.

Been turned down for motor insurance because you’ve modified your wheels? If so, Adrian Flux could be the answer. We are a specialist insurance broker that takes pride in insuring the “uninsurable”. Choose an agreed value policy with us to protect your investment.

Existing customers please call:
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Rated Excellent
Rated ‘Excellent’ based on 21,378 reviews
Existing customers please call:

Why choose Adrian Flux?

  • No more frustrating conversations with insurers who don’t know about mods
  • We view modders positively, aware you’ll probably take more care of your car
  • Specialised in modified cars since Adrian Flux was founded in 1974
  • Getting a quote takes under 10 minutes
  • Optional extras available so you can get a tailored policy
  • Great discounts for limited mileage policies, car club members, and more

What is a modified car?

The definition of a car modification is any change that’s been made to a vehicle so it differs from the manufacturer’s original factory specification.

Modifications aren’t all bad, though. In some cases, they could lower your premiums. This is often the case when you fit a dashcam, a towbar, or parking sensors. Let us know how you’ve altered your car (or even if you’re simply planning on altering it) and we’ll use our comparison system to find out how this will affect your premiums if at all.

How to insure a modified car

Insuring a modified car isn’t actually as difficult as you might think. While more general car insurance companies don’t always understand the true value of some modifications, as specialists, we enjoy finding unusually modified cars in need of insurance.

Simply give us a call. And if our lines aren’t currently open, fill in our online quote form and we’ll get back to you with a great deal.

Agreed value policies available

If you’ve modified your car, chances are you’ve spent money and time on making it the vehicle you want. We offer agreed value policies to cover the car and its modifications. This ensures that even if you have to rebuild the car from scratch, you don’t get paid for less than the true value of the vehicle.

Is modified car insurance cheaper?

Yes, when compared to non-modified cars that offer like-for-like performance, custom car cover can be cheaper. There are a number of discounts available to modified car owners, including for limited mileage cover, modifications you’ve done yourself, and for owners club members. Compared to similar non-modified performance vehicles, most custom cars are also treated as classics so premiums reflect this.

Over 79% of customers who got an online quote could have saved money if they’d called us instead.

How do I reduce insurance costs as a modded car owner?

There are many ways you can reduce the cost of your insurance policy even if you have an expensive modified car.
The following tips could help you. Make sure to let us know if any of these apply to you!

Member of a modified car club or forum? This shows you’re a car enthusiast and are more likely to take care of your vehicle.

Only planning on driving a few thousand miles each year? Let us know and we could put you on one of our limited mileage policies.

Passing extra qualifications like IAM or RoSPA will improve your safety while driving, which could reduce your insurance cost by up to 25%.

Keep your car garaged if you can and install the best Thatcham-approved alarm system you can afford. This way, you can pay less.

Cover for young drivers

Insurance is already expensive for young drivers, but pair this with a modified car and you’ll be paying through the roof. Thankfully, we view you a little differently. We understand that passion for cars begins early, which is why we insure people that other insurance brokers deem “uninsurable”.

Cover for adapted vehicles and WAVs

And if you’re a disabled driver? We also cover you if you have a disability and need to modify your car so it’s more usable. Disabled adaptions can be covered on a new for old policy – ask us about new for old cover on disability adaptions. We also offer cover for wheelchair accessible vehicles (WAVs).

Do modifications really invalidate car insurance policies?

Yes, modifications can void your insurance policy. Even if you don’t think a modification matters, it’s best to let us know when you’ve made a change to your vehicle. This way, we can alter your policy in line with your needs and make sure anything disclosed is covered.

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Rated Excellent
Rated ‘Excellent’ based on 21,378 reviews
  • 5 star rating
    Excellent service Excellent service I knew it was a complex enquiry on an existing policy where I am proposing a change v5 from van to camper van but continuing to use the vehicle for commercial purposes. D. Ratcliffe
  • 5 star rating
    Excellent Excellent service JANE
  • 5 star rating
    Yet again I had to alter the start date… Yet again I had to alter the start date on my insurance and yet again this was dealt with quickly and efficiently Lesley
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