Custom Car Insurance
Information on custom cars, insurance companies, and the services they provide
The custom car insurance directory aims to highlight insurers who offer customised car cover to the public. Included within each company listing are details of custom car insurance product features and benefits currently being offered.
Alternatively, read our information guide below, or car insurance guide pages, and find out all you need to know before getting a competitive quote.
Custom Car Insurance Guide
The way companies work out premiums and assess risks can appear a real mystery. There are some areas in particular that apply to custom cars and will affect the insurance premium offered by a company. Before you go ahead and customise a car it is worth asking the company whether or not it will affect your insurance premium, and if so by how much. As the person responsible for paying the bill you can then decide whether or not you want to go ahead with your customisation!
Grouping
In their assessment of a car, insurance companies will assess the value by reference to trade guides. The guide will not take into
account any mechanical repair or custom works. As a consequence the
value that is likely to be placed on a total loss car simply will
not reflect such issues on your expenditure.
Accessories
Most standard car insurance policies contain specific maximum limits
of compensation that apply to after market accessories. For example,
if you fit alloy wheels and custom body kits which did not arrive as standard,
check the level of car insurance cover you will be given before you buy them!
Mechanical Upgrades
If you raise the question of how much money you have invested in the
mechanics of your vehicle prior to an accident, the standard level of car
insurance will still be applied. If a company has provided a standard insurance policy to you, it will have been based on the car being
in sound enough condition to pass an MOT and remain on the road.
Custom Body Work
If you add any custom paint or other modifications, it will move the car
out of the mainstream. Furthermore, it will not add significantly to
vehicle’s value. Beauty is often in the eye of the beholder and
the general motor trade frown on customisations and actually reduce
the value placed on such vehicles.
