If you’ve spent time and money modifying your car, it's important to have insurance that recognises that. Standard car insurance policies don’t always reflect the true value of your car once modifications have been added. That’s where specialist modified car insurance makes the difference. Whether your vehicle has subtle cosmetic upgrades or is heavily modified for performance, our Chris Knott team can help you find cover that protects what you’ve built.
Excellent service from start to finish. The team took time to understand exactly what I needed and found me a great policy at a competitive price. Couldn't be happier with the whole experience.
Been with Chris Knott for over 5 years now. Easy renewal process and the team are always a pleasure to speak with. Proper UK-based advice you can actually trust.
After being let down by my previous insurer, Chris Knott made the whole process painless. Honest, straightforward, and friendly from the very first call. Highly recommend them.
Andy was brilliant - talked me through all the options clearly, no pressure, and found me a much better deal than the comparison sites. This is how insurance should be done.
I needed specialist cover for my classic Jaguar and Chris Knott sorted it quickly and at a great price. Really impressed with the level of knowledge and personal service.
Switched my home insurance after a recommendation from a friend. Very competitive premium and the whole thing was done in under 20 minutes. Very pleased with everything.
First-class service. I dealt with Emma who was patient, helpful and knew exactly what I needed for my thatched cottage. Got proper specialist cover, not a standard policy.
Genuinely good old-fashioned customer service. A real person who actually listens and helps you find the right cover. Wouldn't go anywhere else for my insurance now.
Had a claim last year and Chris Knott supported me throughout. Made a stressful situation much easier. Fair, fast, and professional - exactly what you want from a broker.
Renewed my multi-car policy today. Still the best value I've found anywhere and the team remembered me from last year. That personal touch really makes a difference.
Very helpful team, especially when I needed to add a modified vehicle to my policy. Talked me through everything and made sure I was properly covered. Excellent all round.
Chris Knott have been brilliant for my listed property - most insurers wouldn't touch it but they found me comprehensive cover at a sensible price. Grateful for their expertise.
Efficient, clear, and competitive. I ran through three comparison sites before calling Chris Knott and they beat them all. UK-based team made the whole thing painless.
Outstanding from start to finish. I've recommended Chris Knott to everyone I know - my parents, my sister, and even my colleagues. They never let anyone down.
The service is what sets Chris Knott apart. You get proper advice from people who understand insurance, not a script. Worth every penny and more.
As an independent FCA-regulated broker with over 40 years of experience, we understand modified vehicles inside out, from body kits to heavily upgraded engines.
Our Personal Lines team has over 180 years of combined experience, working with insurers who cover modified cars properly. Many of our providers don't appear on comparison sites.
We understand your specific modifications and how they affect cover and pricing.
Our UK-based team listens and guides you through your options without pushing you.
If you're part of a car club or forum, you may benefit from exclusive discounts through our partnerships.
Modified car insurance refers to a specialist vehicle cover designed for cars that have been changed from the manufacturer’s original specification. This includes any adaptation made after the car leaves the factory, including minor additions for styling.
Everyday insurance policies may not fully cover modifications to your car, since any change can increase value, which, in turn, affects premiums. Not to worry – with modified insurance, you can choose the same levels of cover as standard vehicle insurance, including fully comprehensive and third-party, fire and theft.
If you’re modifying your car in any way that changes how it looks, drives or performs, it must be declared.
Performance Adjustments
These changes refer to those which affect performance and how the car handles. These options include ECU remapping, aftermarket exhaust systems and suspension adjustments. It also includes upgrades, such as turbo- and brake-related ones.
Aesthetic Modifications
Exterior tweaks, like paintwork, tinted windows and body kits, can affect premiums. Additionally, interior customisation and installing entertainment systems can also have an impact.
Specialist modified car insurance can include useful additional cover:
Breakdown Cover
UK-only Breakdown Cover (in partnership with the AA) is available if you don’t travel abroad. A breakdown can be stressful enough, even more so with a modified vehicle.
Excess Protection
Excess Protection Insurance can reimburse up to £1,000 of any additional costs if you need to make a claim, even if you’re at fault. Modified car owners often choose this as specialist policies can carry higher excess levels.
Agreed Value Cover
If your car is written off or stolen, Agreed Value cover can provide much-needed protection. This is especially important for performance and modified vehicles, where upgrades significantly increase the value of your car. We can arrange Agreed Value policies where modifications are minor.
Because your car's risk profile changes when you modify, costs adjust, too. Performance upgrades, for instance, often lead to higher premiums because they enhance your car's function. Cosmetic upgrades can also increase the cost, particularly if they make your vehicle more attractive to thieves.
Other factors that affect the cost include:
With decades of experience, strong relationships with leading insurance providers and a genuine understanding of vehicles, we provide modified car insurance built around enthusiasts. You don't have to settle for a generic car cover that doesn't consider your vehicle upgrades and tweaks.
Contact us, and our friendly team can provide more information on our Mod Car Insurance options. You can understand how we can help protect what you've built without obligation.
Dive into our Knowledge Hub to explore easy-to-read articles on all things motor insurance - from breakdown cover and agreed value policies to the latest news, tips on excess, no-claims bonuses and more. It’s our way of empowering you with insight - because informed drivers make better coverage choices.
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One broker, many kinds of cover - all handled by our UK-based team.
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Dog business, allotment and specialist trade insurance from a team who understand them.
ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Every modified car insurance policy is different. Speak to our specialist UK-based team and we'll arrange a quote that properly reflects your property and circumstances.
