Modified Cars

It's common practice for motoring enthusiasts to be penalised by their car insurer for modifying their vehicle. Whether its alloy wheels, an upgraded exhaust system, a performance enhancing engine chip or even privacy glass, the end result equates to higher risk, and in turn this leads to higher premiums.

However, with a little research you can make vehicle modifications work for you - and secure reasonably priced car insurance.

Most insurance companies enforce higher premiums on modified cars because they carry a higher risk. For example, a car with expensive alloy wheels is more likely to be a target for theft than a conventional vehicle.

Many young drivers, dubbed 'boy racers', have also given custom car owners a bad name by fitting induction kits, upgraded exhaust systems and powerful ICE (in-car entertainment) systems before cruising the streets in what can best be described as an anti-social manner.

So the emphasis is on the driver to prove their 'risk' is low to the insurer.

One method is to agree to a mileage limit. Many modified cars are driven occasionally rather than everyday, and the majority are rarely on the road during rush hour. If you prove to your insurer that you only drive the car for social or pleasure use, rather than commuting, you can reduce your premiums.

Another tip is to reduce the risk of theft by parking your car in a sceure garage overnight. Also ensure that you fit locking nuts on to alloy wheels. Fitting a tracker is also an insurer-friendly option, and although it may cost around £700, you will recoup the cost in your next few years worth of car insurance premiums.

Approach specialist car insurance companies too - there are many that cater specifically for modified vehicles and that may be able to offer quotes to motorists who may not find deals elsewhere.