Modified Classic Car Insurance

Insure your modified classic car with Keith Michaels, and work with a broker who truly understands the value of your car, and what it means to you. Get in touch today.
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Our team are here to help

92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


Modified classics are not only a slice of history, they’re also beloved treasures that have hours upon hours invested into them. At Keith Michaels, we’re all fellow car enthusiasts like you, from the modified to the prestige. This means that we truly understand what it’s like to be a specialist car owner, from the hours spent detailing, to sourcing those hard-to-find parts to fix a problem.  

We’ve been arranging specialist insurance for over 30 years now, and are well respected in many car communities, including Japanese classic cars.  

Agreed Value Policies Available for Modified Classics 

We understand that the true value of your car is not always reflected when you’ve invested love and care into modifying your classic car, which is why agreed value policies are often preferred.  This ensures that in the event of an accident, you’re compensated for the agreed, actual value of your car, not the determined value.  

Show Car Insurance for your Modified Classic 

If you’ve invested this much time and money into your car, you’re going to want to show it off. We can arrange cover for this too, for that additional bit of protection. 

What Modifications Can We Cover on your Classic Car?  

We can cover all manner of modifications, from simple cosmetic changes like wraps, to more advanced modifications like engine remaps, uprated brakes and body kits. Read our car modifications guide to learn more about the modifications we can cover. 

From kit cars and classic electric conversions to remapped classics, we’re able to not only provide insurance, but be competitive in our pricing and benefits. This means that you’re not paying through the roof for a specialist policy like you would from a high street insurer.  

or call us on 0208 329 1150

The Keith Michaels Difference

  • 30 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

Why Choose Keith Michaels for Modified Classic Car Insurance?

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Direct Contacts

Gary Moulson
0208 329 1167

Jeremy Pocock
0208 329 1157

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The Scheme is Perfect For:

  • Drivers aged 25+ 
  • Any modifications considered (excluding nitrous oxide) 
  • Classic and Modified Enthusiasts 
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Discounts For

  • Limited mileage 
  • Enhanced vehicle security 
  • 2nd or 3rd cars 
  • Owner’s clubs 
  • Secure parking access 
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  • Priority claims management 
  • Like for like replacement parts following a claim 
  • Staff have over 30 years’ modified experience 
  • Repairer of Choice 
  • Agreed value and salvage retention 
Modified Classic Car Insurance

Request your Modified Classic Car Insurance Quote Today

or call us on 0208 329 1150

Modified Classic Car Insurance FAQs 

Is it more expensive to insure a modified classic car? 

It will be more expensive to insure a modified classic car than its factory counterpart, but you can ensure that you are getting the best cover for your money by choosing a specialist insurer like Keith Michaels.  

How can I reduce the cost of my modified classic car insurance?  

If you commit to a reduced mileage policy, are a member of certain car clubs, have increased home security measures, or fitted trackers, these can all contribute to reducing the cost of your modified classic car insurance.  

Can I take my modified classic car to a track day?  

While this depends on circumstances, at Keith Michaels we are more than happy to discuss cover for taking your car to track days. 

Do you insure classic modified Japanese cars?  

Yes, as a leading Japanese import car insurance provider, we know that finding affordable Japanese car insurance can be tricky. Now, certain models of Japanese cars are reaching the classic age, and we’re able to insure these with our tailored policies.  

What counts as a classic car? 

Classic cars in insurance terms are over 20 years old, 15 years if they’re a rarer model, and cover a restricted mileage to preserve their status.