Modified Car Insurance
Comparing insurers will help you find low cost insurance quotes for modified cars.
While many drivers are happy enough owning a standard, production-line vehicle, some enthusiasts believe their car to be such an integral part of themselves that they seek to modify it to reflect their personality or aspirations. Improvements such as alloy wheels, lowering or raising the suspension, body kits, tweaking the engine and fuel system and custom paint jobs and interiors all say something about someone who wants his or her car to stand apart from other vehicles on the road, enhanced by the kind of modifications that make it entirely unique and ultimately desirable.
In contrast, a modified car is not an indulgence but absolutely essential to those whose physical ailments or disabilities might render it impossible for them to drive a standard vehicle, and who can only maintain independence and mobility by using one of the medically modified cars that are now available to suit a range of individual requirements. Even though there may be very subtle modifications needed to accommodate some medical needs, obtaining car cover was not so easy when it was once in the domain of relatively few insurance companies, but with a growing number of niche insurers, it makes sense for those seeking the best value and most appropriate policy to compare quotes for modified car insurance from as many as possible.
Whether car modifications are necessary for medical reasons or are pure indulgence, as far as an insurance company is concerned if the standard specification of any particular car is modified there could be potential risks that need to be assessed in order to provide an accurate quote for each individual insurance premium. The reason is clear if you consider the consequences that modifications can have on the performance, handling, safety or security of a vehicle. If you change the wheels or tyres or lower the suspension you have modified the wheel geometry, loading and braking characteristics and handling qualities. If you’ve tweaked the engine, you are altering the acceleration and hence the dynamic statistics that the insurer calculates risk against. If your car has an amazing paint job, you are increasing its visibility and, if left on a public road, the possibility of it being damaged or stolen. All of these factors are likely to affect potential insurance quotes and may vastly inflate premiums offered by some leading insurers - if they will provide a quote at all!
Some specialist insurance companies have the attitude that the true modified car enthusiast is a special breed of owner who is worthy of encouragement and therefore can be relied on for a realistic quote. They recognise the fact that people who spend many hours and often thousands of pounds improving and enhancing their vehicles, nurturing them to peaks of appearance and potential performance, are likely to be extremely careful when storing, parking and driving their vehicular masterpiece. A true enthusiast-modified car is likely to be tucked-up in a garage overnight and probably over winter. It is likely to be driven for a limited amount of miles each year and although it may technically be capable of achieving 160 mph, it will never be driven in a way to risk damaging such a highly engineered machine. And finally, by their truly individual nature they are less likely to be stolen simply because they are so prominent.
But whatever your reasons may be for owning a modified car, if you provide honest and accurate information about your vehicle, assurances over secure garaging and maybe even agree annual mileage, you can be sure to find the best deal for your money in minutes by taking advantage of the chance to compare policies when searching for modified car insurance using our innovative comparison tool.
