Cheap Modified Car Insurance

Anyone who drives a customised car knows how difficult it can be to find a cheap insurance quote. Whether you have added simple modifications such as custom alloy wheels, a performance exhaust or increased the size of your engine, you need to tell your insurer if you want to be covered in the event of an accident.

The problem is that in the company’s eyes making these modifications to your car increases the risk of you having an accident. With an increased risk of accident comes higher premiums which can leave an owner wondering if the effort of building your dream motor has been worth it.

The trick to finding cheap modified car insurance is to track down an insurer that specialises in dealing with custom vehicles. You see, standard insurance companies don’t want to touch custom machines with a barge pole due to the fact they have little experience in the area of custom machines. They are unable to accurately quantify the risk you pose which leads them to quote premiums which are vastly overpriced.

A specialist insurer has the experience and patience to treat you as an individual to find a fair premium for your modified car. Seek this specialized modified insurers out and you will be rewarded with a quote which will leave much more money in your pocket.

A few things to remember when looking for cheap modified car insurance:

1. Be 100% truthful with the insurer about all modifications made to your vehicle. Failure to mention certain customisations may lead to your cover being null and void in any event that you need to make a claim.
2. Carrying out a search for Car insurance for modified cars online will cause you to find a good quote quicker and with much less hassle than any other method.
3. If you’re going to make major modifications to you car such as boring out the engine you should really get a quote before carrying out the work. Failing to find a reasonable price before undertaking major custom work such as this can lead to extortionate unforeseen premiums.

* Offer to keep your machine in the garage overnight.
* If you’re only going to drive the vehicle at weekends or during the summer months it will pay to get a quote for a limited mileage policy.
* Getting a security device fitted is a great way to get cheaper insurance. Not only will it reduce your premiums but it will reduce the likelihood of your pride and joy getting stolen by a thieving gypsy knob head. Trackers especially useful as they vastly increase the chances of getting your car back if it is stolen.
* Don’t use your vehicle for commuting.
* Stay away from major modifications such as boring out the engine.
* Work up a few years no claims bonus before you consider insuring a vehicle which has been heavily modified.