Modified Car Insurance

Graham Sykes offers specialist Modified Car Insurance offering comprehensive cover for a wide variety of modified cars.

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The Modified Car Insurance Specialists

Graham Sykes has been providing specialist Modified Car insurance for over 40 years. Graham Sykes offers tailored modified car insurance designed to meet the unique needs of car enthusiasts who have invested time and money into customising their vehicles. We offer a convenient online quote and buy solution, however our highly experienced team are also here to take your call and give you a quote over the phone, just give us a call at 01395 255 100.

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Modified cars, a culture like no other...

The history and passion for modified cars in the UK is a dynamic narrative that spans several decades, reflecting the nation's love for automotive customisation and personal expression. This subculture, rich with creativity and innovation, has evolved from humble beginnings to become a vibrant and influential part of British car culture.

The roots of the modified car scene in the UK can be traced back to the 1950s and 1960s, when hot rodding and customisation trends from the United States began to influence British enthusiasts. Early modifications were often focused on improving performance and aesthetics, with enthusiasts tinkering with engines, suspensions, and bodywork. Classic British cars like the Ford Anglia, Austin A40, and Mini Cooper became popular canvases for these early modifiers.

The 1970s and 1980s saw the scene diversify and grow, with the rise of car clubs and the importation of Japanese cars adding new dimensions to the culture. The Ford Escort, Vauxhall Astra, and various models from manufacturers like Nissan and Toyota became favourites for customisation. This era also marked the beginning of the “boy racer” phenomenon, where younger drivers would modify their cars for speed and style, often leading to spirited street races.

The arrival of the 1990s and early 2000s brought a surge in the popularity of car shows and tuning events, such as the iconic Max Power Live. These gatherings showcased highly modified vehicles, from souped-up hatchbacks to elaborately styled show cars, fostering a sense of community among enthusiasts. The influence of popular media, including car magazines and television shows, further fuelled the passion for modification.

Modern technology has propelled the modified car scene into the digital age. Enthusiasts now share their builds and expertise through online forums, social media, and YouTube channels, creating a global network of like-minded individuals. The scene has also become more diverse, embracing a wide range of styles from subtle tuning to extreme custom builds.

The UK's love for modified cars endures, driven by a desire for personalisation and performance. Events like the Modified Nationals and Japfest continue to draw large crowds, celebrating the creativity and engineering prowess of the modifying community. This enduring passion highlights the profound connection between Brits and their customised machines, reflecting a deep-seated appreciation for automotive individuality and innovation.

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Specialist Car Insurance FAQs

You and any other drivers named on your policy when the policy was taken out will need to self-declare your licence data.

Convictions are no longer recorded on the counterpart driving licence, which became obsolete with effect from 8 June 2015.

You will need your driving licence number, your national insurance number and your postcode. If you are not sure what your driving licence number is, then instructions are provided on the website below.

Open the following link in a new window and follow the instructions below:

https://www.viewdrivingrecord.service.gov.uk/driving-record/licence-number

  1. Enter your licence number, national insurance number and postcode where indicated.
  2. Tick the box and select ‘View now’.
  3. You will now be able to view your driving licence information.
  4. Select ‘Share your licence information’ in the tab, top right.
  5. Click ‘Obtain code’.
  6. You will be provided with a check code.
  7. Send over your check code along with the last 8 characters of your driving licence number to enquiries(at)graham-sykes.co.uk

The licence check code is case sensitive, so it should be copied exactly using capital and lower case letters as provided. You may prefer to copy and paste the code into the form.

The check code is only valid for 21 days.

Specialist vehicle insurance is designed for vehicles that do not fall under the category of standard cars, such as classic cars, modified vehicles, kit cars, and high-performance sports cars.

Coverage typically includes classic cars, vintage cars, modified cars, kit cars, imported cars, sports cars, campervans, and motorhomes.

When your vehicle is written off, your insurance company pays you the current value of the vehicle, instead of the cost of repairing it.

Your insurance company will decide if the vehicle should be written off or not.

An explanation of the categories of a vehicle write off are listed below:

  • Category A - Cannot be repaired. The entire vehicle has to be crushed.
  • Category B - Cannot be repaired. The body shell has to be crushed, but you can salvage other parts from it.
  • Category C - Can be repaired but would cost more than the vehicles worth. You can use the vehicle again if it is repaired to a roadworthy condition.
  • Category D - Can be repaired and would cost less than the vehicle’s worth, but other costs (such as transporting your vehicle) take it over the vehicle’s value. You can use the vehicle again if it’s repaired to a roadworthy condition.
  • Category N - Can be repaired following non-structural damage. You can use the vehicle again if it’s repaired to a roadworthy condition.
  • Category S - Can be repaired following structural damage. You can use the vehicle again if it’s repaired to a roadworthy condition.

Agreed value coverage ensures that the insurer and the policyholder agree on the value of the vehicle at the start of the policy. In the event of a total loss, this agreed amount will be paid out.

Yes, modified vehicles often require specialist insurance because modifications can affect the vehicle's performance, safety, and value.

Factors include the type and value of the vehicle, its age, the extent of modifications, the intended use (e.g., daily use, shows, parades), and the driver's history and age.

Many specialist vehicle insurance policies offer discounts if you agree to a limited mileage cap, as less usage generally reduces the risk of claims.

Yes, most specialist vehicle policies include coverage for participation in shows, but it's important to confirm this with us when taking a policy out.

Laid-up or SORN (Statutory Off-Road Notification) insurance covers your vehicle while it's not being driven and is kept off the road. This coverage typically protects against theft, fire, and damage while stored.

Many specialist insurance policies offer European cover, allowing you to drive your vehicle in EU countries, but you should check the specifics with your insurer.

Salvage retention allows you to keep the remains of your vehicle if it's written off after an accident. This can be important for rare or valuable vehicles where parts may be hard to replace.

The agreed value is usually determined through an appraisal by a specialist or by providing evidence of the vehicle's value, such as photographs, receipts.

Yes, you can obtain insurance for a project car. This type of policy typically provides coverage while the vehicle is being restored or built.

Some insurers may have age restrictions or require a minimum amount of driving experience for certain types of specialist vehicles, especially high-performance or classic cars.

An agreed mileage limitation is a cap on the number of miles you can drive your vehicle annually, often in exchange for a lower premium. Exceeding this limit could affect your coverage.

While most specialist vehicle policies are designed for personal use, some insurers may offer coverage for business use, depending on the nature of the business and the vehicle.

Keeping your vehicle in a secure, locked garage can often result in lower premiums, as it reduces the risk of theft and damage compared to parking on the street.

We may require additional security measures such as alarms, immobilizers, tracking devices, or secure storage to lower the risk and qualify for coverage.

Yes, left-hand drive vehicles, often imports, can be insured under specialist vehicle policies, though they may have specific conditions or premiums.

The excess (the amount you pay towards a claim) for specialist vehicles can be higher or vary based on the vehicle's type, value, and modifications. Check your policy details for specific excess amounts.

 

More on Modified Car Insurance

Customising your car - whether for performance, style, or personal preference - is becoming more popular every day. Yet, many insurers treat even minor modifications as though your car were a fully customised racing machine, driving up premiums unnecessarily.

At Graham Sykes, we believe that enhancing your car is a reasonable choice, one that’s been part of automotive culture for generations. We understand that not every modification impacts performance the same way, and we carefully consider each upgrade when providing a modified car insurance quote.

For vehicles with performance upgrades or cosmetic tweaks, Graham Sykes brings a tailored approach, offering quotes based on your specific modifications rather than a blanket rate. Whether you drive an Audi, a Ford, a Subaru, or another make, we have customised insurance options to fit your vehicle and needs.

Our knowledgeable team is here to provide competitive insurance solutions for all modified cars and drivers - including young drivers - either directly or online. Drive with the confidence that your modified vehicle is covered by experts who understand your passion for personalisation.
 

Car Insurance and Modifications - what is classed as a modification?

When a car is altered from its standard factory specifications in any way, it’s considered a "non-standard" or modified vehicle in the insurance industry. Modifications can range from a new performance exhaust system, alloy wheels, or an upgraded air filter to body kits or tuning adjustments designed to enhance performance. However they can also be as simple as an engine chip or even body work stickers and decals.

It's essential to inform your insurer about any modifications. Failing to disclose changes may invalidate your modified car insurance. If you’re unsure whether a modification affects your coverage, it’s always best to ask. You can always talk to our friendly and knowledgeable staff if you are unsure.

With Graham Sykes, you can rest assured that your modified vehicle is fully covered at a competitive price - giving you peace of mind and protection on the road.
 

Why You Must Declare Car Modifications When Buying Insurance

Failing to declare modifications can lead to serious consequences, starting with the potential invalidation of your insurance policy. Insurers base their premiums on the vehicle’s original specifications, so any undisclosed changes can impact their risk calculations.

If you make a claim without having declared car modifications, your insurer may deny coverage, leaving you to cover repair costs yourself and potentially face legal issues. To stay protected and avoid complications, always inform your insurer of any modifications to your vehicle. If you're unsure, give our friendly team a call to discuss your modified car insurance today.
 

Modified Car Insurance for Young Drivers

At Graham Sykes, we’re dedicated to offering affordable, quality car insurance for young drivers, including those with modified vehicles. Our team is here to discuss your specific modifications - current or planned - to help find the ideal coverage that fits your needs and budget.

We understand that insurance premiums for young drivers can be high, and some providers don’t cater to young drivers at all. That’s where Graham Sykes stands out. Among modified car insurers, we’re known for going the extra mile, offering personalised service and the attention you deserve, regardless of your age.

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Graham Sykes Ltd is Authorised and Regulated by the Financial Conduct Authority,
Firm Reference Number 300310.