Modified Car Insurance
Modified Car Insurance is different from normal car insurance. It requires an insurance specialist with knowledge and a clear understanding of modified cars and all the technicalities of car modifications and specifications of parts.
At Sky Insurance, we have a dedicated team working on modified car insurance specifically. We have a team of insurance underwriters who specialise in insuring modified cars. We are the modified car insurance experts.
If you wish to receive a quotation for your modified vehicle, please call us or click on the 'Get A Quote' button below to arrange a callback. We also specialise in the following non-standard car insurance markets:- imported car insurance, performance car insurance, prestige car insurance, sports car insurance, hot hatch insurance and engine swap car insurance.
Key Points of Our Modified Car Insurance Policies
- Introductory Discounts
- Like for Like Modifications covered
- Car Club Membership Discounts / Special Rates
- Limited Mileage Discounts
- 2nd Car Discounts
- Young Driver Friendly (aged 19 or over with 2yrs driv. exp.)
- Modifications friendly
- Breakdown Cover available
Sky Insurance co-host SupraPod with MkIV Supra Owners Club
The MkIV Supra Owners Club have held an event called ‘SupraPod’ for a number of years now, the event has always been a great success and for 2012 Sky Insurance have agreed to co-host the event to show our continued support for car clubs. More details on our Blog pages. There will, of course, be many Supras and other types of cars attending, with Drag Racing & Drifting.
Awesome Fest - a film by Stephen Brooks
As Sky Insurance pride themselves in being The Modified Car Insurance Specialists, we also support and sponsor events that highlight and promote high performance and modified cars, such as the fantastic Awesome Fest weekend organised by Driftworks in July 2011. Awesome Fest was a weekend of extreme sports and music, including Drifting Sessions, Passenger Rides, MotoX, Fearless Ramp Parks, Mini-Bikes, Drifting at Night, Skateboarding, Paintballing, a Funfair and a great selection of DJ sets in The Sky Insurance Sound Stage tent. It was a truly brilliant weekend event for car enthusiasts like ourselves and it has been captured by the legend that is Stephen Brooks in his film here - this film will certainly wet your appetite for next year's event.
There is also a selection of photos from the Awesome Fest weekend on our page. See our Awesome Fest page for details about tickets for next years event.
British Drifting Championships - a film by Stephen Brooks
If ever you needed to see why the British Drifting Championships are so popular, watch this amazing film produced by Stephen Brooks, where he totally captures the scene, the mood and the excitement involved with the 2010 Championship. We felt this film was too good not to share with others. Please be aware there is a small amount of swearing in this clip and may not be suitable to those under 15.
Many thanks to Stephen for his kind permission to allow us to share these with many of our car enthusiast connections. We hope you enjoyed it.
Driftworks - sponsored by Sky Insurance
Sky Insurance takes great pride in the fact that we are sponsors of the Driftworks Team for the British Drifting Championships - and we are delighted that they were the eventual winners of the 2010 Championship. Driftworks specialise in car modifications, offering parts, advice and access to one of the most successful 'drifting' forums around. You can read more about our sponsorship and the success of the Driftworks Team on our Driftworks page.
Modified Car Insurance - The Main Insurance Issues
Most owners of modified cars must be wondering ‘why all the fuss’ - a few changes from the original model of the car and every insurance company in town runs a mile or wants to charge a fortune in premium. Understandable, if the car has been modified totally and no longer looks (or performs) anything like the original car model, you could appreciate that it becomes harder for the insurance company to categorise the vehicle - and in turn, this may effect their ability to assess the vehicle’s valuation and the difficultly to repair any damage parts - not to mention the increased theft risk.
Some of the main issues that insurance companies have with modified cars are:
- theft risk
- replacement parts
- drivers may be termed high risk
At Sky Insurance, we believe there are two ways of looking at this (1) it could be seen as a negative, as any claim for vehicle damage would not be standard and the driver could be categorised as higher risk, as someone who is trying to push their car further than a normal driver, or (2) the driver is passionate about their car and is more likely to take better care of it than a normal standard driver. We feel in the majority of cases, option (2) is the correct one and we therefore set our modified car premiums accordingly - this is why we are known throughout so many forums as the modified car insurance specialists.
Our top ten most popular car modifications that we insure;
- Alloy Wheels
- Body Kit / Spoilers
- Exhaust Upgrade
- Suspension (Lowering/ Stiffening)
- Induction Kits
- ECU (Chipping)
- Turbo Conversion
- Engine Swap
- Custom resprays
- Interior Upgrades
Miss Banzai Tunnel Run Winner
Darren Smee from the MKIV Supra.net car club & forum won the Sky Insurance 'Best Car' prize during last week's Miss Banzai Tunnel Run - see our Facebook page for more info & photos.
If you are into your modified cars, like us, you may be interested to know the modifications Darren has done on his 1998 Supra Twin Turbo VVTI Tiptronic;
BHP at last dyno 420bhp
Stillen front bumper; Stillen side skirts; Do luck rear spats; Do luck rear defuser; TRD spoiler; Toyota roof spoiler
Toya sport front mount intercooler; HKS Hard pipe kit; HKS EVC 5 Boost controller; HKS Super sqv blow off valve; Blitz sonic power induction kit; Chris Wilson decat pipes; Uprated alloy radiator; Unknown exhaust
Tein super street coil overs; Tein EDFC; Tein front and rear strut braces
Front 19"x9.5j offset volk racing GTS split rim alloys; Rear 19"x10.5j offset volk racing GTS split rim alloys
Prosport wideband afr gauge; Prosport oil preasure gauge; Prosport oil temerature Gauge; Transmision oil temp gauge
Turbo Converted Honda S2000
If you like modified cars or are considering modifying your own car - wait until you see this beauty. Stuart Chambers has done the most impressive array of modification to his vehicle, the list of modifications so far is so long we cannot include the details on this page, but you can view an excellent write-up with photos and a full list of specifications to his modified vehicle - a Turbo Converted Honda S2000 - on our News page.
From the car club forums and some of our customers who have their modified car insurance policies with us -
Hi all, I just got a quote from Sky insurance for my ST with a supercharger included. All mods declared. A very helpful bunch and would recommend them to anyone.
Fiesta ST OC
A Happily Insured Modified Car Owner
Sky the best once more. Have already got my Skyline insured with Sky Insurance and figured I'd give them a quick try for my daily derv runner. Emailed Ollie and within a hour or so I'd had a call back from Kevin. After a quick convo with him they beat any price the comparison websites could throw at me - top bloke and even the policy excesses are lower than all of the higher quotes which was a bonus. I was surprised, to say the least, as didn't think they'd do much on a normal daily runner compared to the RX7's and Skylines etc but they definitely managed it in my case. Not sure if I've posted much about Sky Insurance in the past but definitely thought they deserved a mention for what they pulled out of the bag for me on this one - so a big thanks to all at Sky especially Kevin and Ollie. Cheers,
2nd Car Insured At Great Price
Just sorted my insurance out with Sky. Sky £350. Mods are alloys and exhaust. 9+ years ncb. I'm 37. Well pleased, but it's more than my FTO cost me! lol. Excellent service. Many thanks.
All Mods Declared & Great Rate - 'the way modified car insurance should be'
Thankyou for my awesome quote last year, you were over £500 cheaper than the next cheapest and your customer service throughout has been excellent everytime I've rang. Just wanted to say thanks!
Great Premium Rates for Car Club Members with Modified cars
Been sorting out car insurance today and what a pain. But thanks too my last phone call which was too Sky and what great service - not to mention cheapest of the day. Saved me just under £200. Thank you Sky Insurance.
RX8 Owners Club
Insurance for Modified Cars at the Right Price
Just a quick word to say thanks to Sam! Called Sky today, gave me a great quote on my car and called back when they said they would. Sam dealt with me, he was polite, well spoken, friendly and easy to talk too. Great service and I'm not surprised they get so much praise! Many thanks Sky!
Great Service from the Modified Car Insurance Specialists - Sky Insurance
I have had the GTO off the road for a year as was inbetween jobs. It was quite a shock to the system to find the premiums up by 50% when getting quotes to reinsure. The best of the bunch yesterday was with A plan once again who I have been with for some time, but that was a rise from £310 to £450 and I had to cancel insurance on another car to get my no claims back to the GTO and then get a mirrored discount on that car for the no-claims now on the GTO. A lot of faffing about and a rise in premium for the second car. Had a call back from Sky this morning and they arranged to mirror the existing bonus on the second car, so no messing with that policy, and quoted me £435 on the GTO so very happy. Great service fast and efficient. To sum up, thankyou Sky
Mirrored No Claims Discount on GTO on Modified Car Insurance Policy
Just wanted to post up about my dealings with Sam from Sky this afternoon. Very helpful on the phone, offered like for like modifications, which I was surprised with and free legal cover on my policy, which beat all the other quotes I got over the last few days. Happy camper
'Like for Like' Modifications Insured
Took out insurance with Sky today. Very good price and very good service, quickly done over the telephone (Ollie - Daniel was top bloke) and all should be well. Got my business mileage included and my mods not just declared but like for like. All this for basically the same price as the other policies but with a much lower excess! Top work lads!
Modified Car Insurance Policy Holder
Just took out my insurance with Sky Insurance. With my car modifications declared, wheels, trunk mount intercooler, fuel system, gt30 turbo, clutch, cams, forged engine, engine management system, etc. I am 27 with 9 years no claims bonus and a SP30. Got really good cover with protected no claims, legal cover, courtesy car. I spoke to Luke and he was spot on, knew all about modifications so it was an easy job getting the quote. He also sold me insurance for my 307 too which was cheap!
Graeme (IMOC Member)
Modified Car Insurance Policy Holder
Well I've just got off the phone to Danny at Sky Insurance and I must say that I am now an even happier Coupe owner. £400 fully comp with one accident and my mods declared. Never had such an easy discussion with an insurance guy!
UK Hyundai Coupe Club Member
Modified Car Insurance Policy Holder
I don’t know how this guy does it, but he can seriously work wonders. My full faith in Sky is due to this one guy being the most amazing rep and providing a second to none service. If you want quality insurance service with a personal touch speak to Graham at Sky Insurance - they know what they are doing. With a completely modified car and stage one engine. Thanx Graham !
Another Satisfied Customer with a
Modified Car Insurance Policy Holder
If you wish to receive a quotation for your modified vehicle, please call us or click on the 'Get A Quote' button above to arrange a callback. We also specialise in the following non-standard car insurance markets:- imported car insurance, performance car insurance, prestige car insurance, sports car insurance, hot hatch insurance and engine swap car insurance.