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Modified Car InsuranceModified Car Insurance

Modified Car Insurance is different to standard car insurance as it requires an insurance specialist with knowledge of the technicalities of car modifications and specifications of parts.

Here at Sky Insurance, we have a dedicated team of experts who can design your specialist motor insurance so you’re covered in the event of the unthinkable happening.

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Sky Insurance & CarThrottle

CarThrottle, in affiliation with Sky Insurance, have produced some great modified car videos - here's their latest.

Modified Car Insurance

Modifications can mean something as little as adding alloy wheels or a spoiler, or something as extravagant a turbo conversion. This can add value, increase theft risk, make it more difficult to find replacement parts and mean that the driver is categorised as higher risk. This is why insurance providers term modified cars or vans as non-standard vehicles, and the insurance premiums are higher.

Sky Insurance believe that modifications indicate that the driver is more likely to take care of their vehicle, so the premiums should be set accordingly.

We also offer:

  • Introductory Discounts
  • Discounts and Special Rates for Members of our Car Club
  • Second Car Discounts
  • Limited Mileage Discounts
  • Like for Like Modification Cover
  • Breakdown Cover


Purchase Your Modified Car Insurance with Us Today

So if you’re looking for competitive rates on your modified car or modified van insurance, then you need look no further. We at Sky Insurance are considered experts in the field of modified car insurance, so you’re in good hands.

Contact us on 03303 331 250 or request a call back today and get a quote for your modified car insurance with the best in the business.

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.


Highlight From Our Blog Pages - Customers Cars: Richards S13 is going to Gymkhana Grid


Long time customer of Sky Insurance, Richard owns this Nissan 200sx and when the rest of the drift world are immersed in engine swaps with big V8's going into a lot of competitive drift cars, this beauty still runs its original CA18DET engine, with a very long list of mods to go with it.

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Engine and drive train:
Rebuilt CA18DET Oselli Balanced crank assembly including fly wheel and clutch cover. Wiseco forged pistons Wiseco rings Apex Performance Forged Rods TOMEI 2mm Head gasket (the last one that was in the wearhouse in japan) ACL Race big ends ACL race mains Ported head with matched inlet manifold/ plenum Polished chambers CA16DE inlet Cam Standard exhaust cam custom HKS top mount manifold custom Braided turbo oil feed custom Braided turbo water feed Garrett GT2871R with Tial V-Band exhaust housing
Turbosmart 38mm external waste gate
ASNU 600CC injectors
NISMO engine mounts NISMO Gearbox mounts Greddy Profec type-S Apex Performance FMIC Apex'i Power Intake custom exhaust with Blitz NUR Spec-R  back box Cusco Catch tank Inlet side DW catch tank exhaust side Walbro fuel pump NISTUNE ECU Nismo 2-way Diff Garage Defend Carbon GT Cooling Panel NISMO Oil Filler Cap

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Interior:- Cusco Safety 21 7 point roll cage with side bars SPA Design dual digital Boost/Water Temp SPA Design Dual digital Oil pressure/ Oil temp Nardi Twin line MOMO Boss DRIFTWORKS quick release Corbeau Pro-Series seat on custom mounts through the floor Driftworks FIA harness (drivers Side Sabelt 4 point Harness (passenger side) stripped out back end NISMO Gear Knob

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Chassis:- Work XD9’s 17x 8.5 ET 25 + 5mm spacers all round Front & Rear Cusco OS Strut Braces White line front bottom arm bushes Driftworks Control System coilovers CS1’s GodSpeed ARB front and rear Apex Performance bushed TC rods

Apex Performance bushed camber and tow arms (rear)

Super pro rear hub bushes Driftworks rear subframe bushes Body work:-
Uras N+ body kit Nismo sytle bonnet vent
WanGan wing

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Richard decided against the competitive side of the drift scene and favoured using his skills and car to offer passenger rides at the car shows we all know and love. However this year he will be applying for his British Drift Pro Licence and impressively has entered Monster Energy & Ken Block's Gymkhana Grid Event! But that's not all, having driven half way across Europe to compete, successfully won the qualifying heat in France and will be taking part in the Final In Madrid in October!


Not only are we very happy to be insuring Richard and his cars, but we'll be keeping an eye on his progress with further reports to come!

Get over to Richard's Facebook Page and give him a like to show your support!

Credits and a big thank you to www.danfegentphotography.com - Dan Fegent Photography

Car Enthusiasts - Like You


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The Latest from The Sky Insurance Blog - (Keep up-to-date by 'liking' our Facebook page)


For FULL Articles & Many Other Features, Visit The Sky Insurance Blog Pages

Sky Insurance co-host SupraPod with MkIV Supra Owners Club

To show our continued commitment to the Modified Car Scene, Sky Insurance often sponsor prestige car events for car enthusiasts. 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 Sky Insurance have co-hosted the event as part of our continued support for car clubs. Watch the video of the event below. There were, of course, many Supras and other types of cars in attendance, with plenty of Drag Racing & Drifting going on.

More details on our Blog pages.

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Gone Drifting

Drifting Modified Cars

The Sky Insurance team recently visited Drift Limits in Bovingdon, Hertfordshire for a staff reward day out; or Drifting Training as we prefer to call it! The reason for our visit was to give our staff a taste of driving some performance and modified cars but also sample the Motorsport of Drifting. The best way to experience Drifting is to try it for yourself, so we did!

With our team being of various ages, experience and abilities it was great to be able to get into each car with the confidence of having a professional instructor with duel control pedals, as you would find in a learner driver’s car. Surprisingly for us, we started with the fast cars, a track prepared E46 M3 BMW and an Ariel Atom.

The M3 was fast… the Atom is in a different league all together though! Each staff member (with instructor) had four laps of the Drift Limits track in the M3 and Atom, building up speed and confidence each lap. It was a great day out and all of us loved our drifting experience. [read more on the Sky Insurance blog]

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.

AWESOMEFEST 2011 : THE FILM from Stephen Brooks on Vimeo.


There is also a selection of photos from the Awesome Fest weekend on our Sky Insurance Facebook page - click here page. See our Awesome Fest page for details about tickets for next years event.

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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.

The Art & Soul of BDC from Stephen Brooks on Vimeo.

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:

  • value
  • 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


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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!

IMOC Member
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.

Phone Us on 03303331250