We’re Modified Car Enthusiasts Just Like You!
Your prized possession deserves the best cover. Whether you’re remapping, adding a wrap, or building a one-of-a-kind project, Keith Michaels provides specialist modified car insurance designed for enthusiasts like you.
We’ve been insuring modified cars for over 35 years, with access to reliable cover for almost every type of modification. Better still, our brokers are also fellow car enthusiasts who understand the time, money and passion you’ve invested.
We’ll find you a budget-friendly policy that protects your pride and joy. Speak to our team today for your modified car insurance quote.
- Affordable cover for modified vehicles, from the everyday to extraordinary
- Policies for body kits, performance upgrades, spoilers, roll cages and more
- Avoid higher premiums from high-street insurers
- Discounts for Car Club and Owners Club members
- Options for courtesy car, breakdown and windscreen cover
- Speak to specialist brokers who share your passion for mod cars
The Keith Michaels Difference
- 35+ years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
Examples of insurers we work with
Why Choose Keith Michaels for Modified Car Insurance?
At Keith Michaels, we understand what goes into building a truly unique modified car. From engine tuning and styling upgrades to EVs and off-road 4x4s, we provide specialist insurance tailored to your vehicle and how you use it. With over 35 years of experience, we’re one of the UK’s trusted names in modified car insurance.
The Scheme is Perfect For:
- Drivers aged 23+
- Any modifications considered (excluding nitrous oxide)
- Car Enthusiasts
Discounts For:
- Limited mileage
- Enhanced vehicle security
- 2nd or 3rd cars
- Owners clubs
- Secure parking access
Other benefits:
- Priority claims management
- Agreed value policies available on request
- Like for like replacement parts following a claim
- Staff have over 35+ years’ modified experience
- Repairer of Choice
- Salvage Retention
Types of Modified Cars that we Cover
From performance-tuned hot hatches and lifted 4x4s to wrapped motors and modified classics, every custom car deserves specialist protection. We’ll find you the right policy at a price you can afford, no matter what type of vehicle you drive. Our modified car insurance includes:
- Modified 4×4 Insurance: Everything from suspension upgrades to roll cages for keen off-roaders.
- Modified Classic Car Insurance: Classic EV conversions, resto-mods and more.
- Modified Van Insurance: Specialist cover for custom vans, camper conversions and unique builds.
- Hot Hatch Car Insurance: We’ll help you avoid inflated premiums from mainstream insurers.
- Wrapped Car Insurance: Wraps for performance cars, daily drivers and business vehicles.
Speak to our team of modified car enthusiasts today and find the cover you need.
What Counts as a Modified Car?
If your car has been changed at all compared to factory edition, it’s classed as a modified car. This isn’t limited to performance modifications. Any new additions may be considered a modification, even if it’s a manufacturer branded accessory.
The following are the most common types of car modifications:
- Car bodywork modifications, such as spoilers or body kits
- Engine or mechanical modifications that impact car performance or reliability, e.g. cold-air intakes, exhaust systems or ECU modifications
- Modifications that change how your car handles, such as uprated brakes or lowering springs
- Visual modifications, e.g. resprays, vinyl wraps, new alloys or tinted windows
- Car accessories
- New or upgraded sound and entertainment systems
For a full list of modifications and how they affect the cost of your car insurance, read our Car Modifications Insurance Guide.
What’s Covered by Modified Car Insurance?
Modified car insurance offers the same cover as standard policies, but includes additional cover for any modifications you’ve made to the car. Modified car insurance includes everything you’d expect from a typical policy, including options for courtesy car entitlement, breakdown cover and windscreen cover.
What Doesn’t Modified Car Insurance Cover?
Some car modifications are illegal and can’t be covered by modified car insurance. Read our Guide To UK Legal Car Modifications for a full list of what will and won’t be covered.
Unsure if your custom vehicle is covered? Talk to one of our modified car insurance specialists today.
Trusted by Thousands of UK Drivers
We’re proud to be rated Excellent on Trustpilot, with thousands of verified reviews from customers who rely on us for specialist car insurance.
Never be out of pocket
Need reliable modified car insurance that won’t let you down?
Drive with confidence by trusting Keith Michaels to arrange your next policy.
95–100%
Claims Paid Based on the latest
FCA General Insurance Value Metrics Data
Get in Touch for your Modified Car Insurance Quote Today
or call us on 0208 038 8383
Why Choose Our Modified Car Insurance Policies?
Can’t get motor insurance for your modified car? We’re here to help. As a specialist broker in modified car insurance with 30+ years’ experience, we’ll find the cover you need at an affordable price. The benefits of our modified care insurance policies include:
- Unless a modification affects your horsepower, your premium is unlikely to change (terms and conditions apply)
- Like-for-like replacement of modified parts after a claim
- Modders viewed favourably as we know you’ll truly care about and look after your car
- Our brokers also modify their cars, meaning you’ll speak to someone who understands your unique requirements
- We arrange tailormade policies, we don’t take a cookie-cutter approach
or call us on 020 8038 8383
Useful Car Modification Resources
Top tips and information about your custom vehicle.
Guide To UK Legal Car Modifications
Car Modifications Insurance Guide
How To Keep Modified Car Insurance Costs Down
Keith Michaels Insurance: We’ve Got You Covered
We offer a wide range of motor insurance policies, as well as modified car insurance,
that you won’t find on comparison sites. With over 35+ years’ experience,
we’ll find you affordable cover tailored to your specific needs.
Japanese Import Car Insurance
We’re one of the UK’s leading Japanese import and grey import insurance providers.
Modified Van Insurance
We’ll find you an insurance policy for your modified van including converted campervans.
Specialist Car Insurance
We’ll get you the best cover for your performance, prestige, and supercar at the best price.
Modified Car Insurance FAQs
Some questions people often ask about modified car insurance:
What’s covered by modified car insurance policies?
Modified car insurance offers the same cover as standard policies but includes additional cover for any modifications you’ve made to the car. Modified car insurance includes everything you’d expect from a typical policy, including options for courtesy car entitlement, breakdown cover and windscreen cover.
Some car modifications are illegal and can’t be covered by modified car insurance. Read our Guide To UK Legal Car Modifications for a full list of what will and won’t be covered.
Why is modified car insurance more expensive elsewhere?
The cost of your insurance policy is calculated based on the risk of a claim and the potential size of a pay-out. Modifying your car can affect this in a number of ways:
- The power and performance of a car can increase the risk of an accident
- Modifications can impact the reliability of a car and aftermarket modifications have little or no guarantee against failure
- Increased car value
- Car modification can change its insurance group
- Modified cars are often seen as more attractive to thieves
Although insuring a modified car is typically more expensive than its stock counterpart, a lot of extra cost can be avoided with a specialist modified car insurance policy. As specialists in this field, we’ll make sure you’re not paying any more than you need to.
Do you offer modified car insurance discounts?
Almost all modified cars are owned as second cars, used on a limited mileage basis, are show cars or cherished cars. We have modified schemes that cover all these and therefore discounts can often be increased in these circumstances. If you are a member of a Car Club or an Owners Club then you will more than likely to be entitled to a discount. We also cover modified hot hatch, sports car and high performance cars too.
How can I reduce the cost of modified car insurance?
Even modified car owners can make extra savings on their insurance premiums. You’ll receive discounts on your policy for:
- Low or limited mileage
- Keeping your car safe on a driveway or garage overnight
- If your vehicle is a 2nd or 3rd car
- Owners club membership
- Paying for your policy annually instead of monthly
