Why choose Adrian Flux?
- No more frustrating conversations with insurers who don’t know about mods
- We view modders positively, aware you’ll probably take more care of your car
- Specialised in modified cars since Adrian Flux was founded in 1973
- Optional extras available so you can get a tailored policy
- Great discounts for limited mileage policies, car club members, and more
Get a Modified Car Insurance Quote
What is a modified car?
A modified car is any change that’s been made to a vehicle so it differs from the manufacturer’s original factory specification. This can include performance modifications and cosmetic modifications.
Is it hard to insure a modified car?
Insuring a modified car isn’t actually as difficult as you might think. While more general car insurance companies don’t always understand the true value of some modifications, as specialists, we enjoy finding unusual modified cars in need of specialist modified car insurance.
Simply give us a call. And if our lines aren’t currently open, fill in our online quote form and we’ll get back to you with a great deal.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
SORN & Build Up Cover
Laid-up Insurance, SORN Insurance and Build-up Cover
Even when your car is unused and parked in a garage, it can be damaged by accident or by fire and can even be targeted by thieves and criminals. To help keep your motor intact while you aren’t using it, we can offer laid-up insurance.
From kit cars being built to SORN insurance, cars laid-up in need of repairing, to ones you only use seasonally – whatever your reason for keeping a vehicle off the road, we can find you cover.
We are also able to offer insurance for cars that won’t be used on the road, but aren’t laid-up. We have policies available for track cars, show cars and even purely off-road cars (vehicle must have a unique identification number, such as a chassis or engine number); as long as you won’t be driving on the road you could get discounted insurance to help cover your motoring hobbies.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
Track Days
Track Day Insurance
Track days can be thrilling, whether you are part of a car club, or with a group of friends. The majority of car insurance providers do not cover track events, so it is important you have specialist track day insurance for when you and your car are tearing up the tarmac.
Adrian Flux are pleased to offer cover for a wide variety of track day events from just [custom_popup_price] per day, making this fun-filled hobby more accessible and affordable for all.
Track day events insurance includes cover for the following:
- Track days
- Hill climbs
- Drag strips
Get a Modified Car Insurance Quote
Agreed value policies available
If you’ve modified your car, chances are you’ve spent money and time on making it the vehicle you want. We offer agreed value policies to cover the car and its modifications. This ensures that even if you have to rebuild the car from scratch, you don’t get paid for less than the true value of the vehicle.
Is modified car insurance more affordable?
Yes, when compared to non-modified cars that offer like-for-like performance, modified car insurance can be cheaper. There are a number of discounts available to modified car owners, including for limited mileage cover, modifications you’ve done yourself, and for owners club members. Compared to similar non-modified performance vehicles, most custom cars are also treated as classics so premiums reflect this.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
How do I get more affordable insurance on a modified car?
There are many ways you can reduce the cost of your modified car insurance policy. Let us know if any of the following apply to you:
Member of a modified car club or forum? This shows you’re a car enthusiast and are more likely to take care of your vehicle.
Only planning on driving a few thousand miles each year? Let us know and we could put you on one of our limited mileage policies.
Passing extra qualifications like IAM or RoSPA will improve your safety while driving, which could reduce your insurance cost by up to 25%.
Keep your car garaged if you can and install the best Thatcham-approved alarm system you can afford. This way, you can pay less.
Member of a modified car club or forum? This shows you’re a car enthusiast and are more likely to take care of your vehicle.
Only planning on driving a few thousand miles each year? Let us know and we could put you on one of our limited mileage policies.
Cover for young drivers
Insurance is already expensive for young drivers, but pair this with a modified car and you’ll be paying through the roof. Thankfully, we view you a little differently. We understand that passion for cars begins early, which is why we insure people that other insurance brokers deem “uninsurable”.
Cover for adapted vehicles and WAVs
And if you’re a disabled driver? We also cover you if you have a disability and need to modify your car so it’s more usable. Disabled adaptions can be covered on a new for old policy – ask us about new for old cover on disability adaptions. We also offer cover for wheelchair accessible vehicles (WAVs).
Should I tell my insurance provider my car is modified?
Yes, modifications can void your insurance policy if not declared, which is why we offer dedicated insurance specifically for modified cars. Even if you don’t think a modification matters, it’s best to let us know when you’ve made a change to your vehicle. This way, we can alter your policy in line with your needs and make sure anything disclosed is covered.
Can I get modified classic car insurance?
Whether you’ve restored your classic to its former glory or you’ve modified your vintage car, we can cover it. We offer modified classic car insurance to petrolheads who have gone a step further to make their classic vehicle their own.
