Modified Car Insurance

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Some Modified Car insurers still have a lack of understanding of the Modified vehicle driver and their car. Many hide behind “expensive parts”, “costly repairs” or a “high theft risk” as a reason to charge high premiums.

Policywave actually take a different approach. Having spoken to numerous modified car drivers over the years it’s clear that whether it’s a spoiler or a full engine chip, modified drivers care a great deal about their cars. They drive with care and respect for their vehicle having spent a considerable amount of time working on and modifying it. The chances of an accident in our eyes is therefore lower. Many insurers believe that modifications increase the theft risk, but that depends on what has been done.

Policywave understand that modifications are not the only rating factor when it comes to theft, so we don’t hike the premium just because its modified. These vehicles are normally either loaded with security devices, garaged or locked in a secure location because these drivers care so much about their car, meaning the theft aspect is often reduced. Factor in limited mileage, popular with most drivers and all of a sudden you can see why Policywave feel that the modified car driver is actually a very good risk.


We’ll find what you’re looking for!

Most modified car insurers will want to know about all modifications whether performance related or not. Likewise, those that have spent considerable time modifying their vehicles want to make sure they have adequate cover in place. Basic modifications do not warrant silly premium increases, but it’s important for us to understand you and your vehicle so we can tailor the policy to your exact needs and this can’t always be picked up on a quote form.

For both these reasons Policywave have created their own bespoke modified insurance policy which is only available by calling us. To be clear, It’s not available anywhere else in the UK and it’s not available online. We need to speak to you. Policywave can piece together the perfect modified policy for you, putting in everything you want, a bit like the parts you want to modify your car. This way everything you want is covered at a very competitive premium.

Finally, Should the worst happen our Accident Claims Management service is very experienced to handle your claim. With national coverage, our modified vehicle workshops, will not only provide for a fast and smooth service 24/7, but more importantly your vehicle will be repaired by someone who shares your passion for modified vehicles.

Give one of our specialist underwriters a call today to discuss your needs

We always welcome feedback and if we’ve done something good tell others about it and leave us some feedback. As an independent broker, it keeps us in business…

We pride ourselves on the services we provide to our clients and we hope that you do not have cause to complain.  In the unlikely event that you are not satisfied about something we have or haven’t done, we have a set procedure to follow.  Please contact our office for details or email our Complaints Department here.

If you remain dissatisfied, you are able to take unresolved complaints to the Financial Ombudsman Service (FOS).

You can contact FOS using the various methods and we have provided a brief guide to their service here and a link to their website here.

Modified Car
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I am very happy to go ahead, and can I take this opportunity to say the service you provided with my accident was excellent I have recommended you to a couple of other instructors.


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I don’t think any of the leading Insurance companies could have provided a better service. The loss in revenue could have been substantially greater if the service wasn’t as prompt as it was.


Thanks again.


Dean W – Leicester

for Driving Instructor Insurance



I am most grateful for the time you took to find a quote. I was also impressed by your honesty….Thank you once more for your professionalism. It was encouraging to talk to a human being who could use some judgement.


R Andrews – Yorkshire