Modified 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 policy so you are covered in the event of the unthinkable happening.
What Is 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 for Affiliated Car Club Members
- 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 331 251 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.
FAQs (frequently asked questions)…
Q. What classes as a modification?
A. Anything that has been altered from factory standard, or since it has left the factory. For example, something as small as a sticker will class as a modification, and your insurer should know about it.
Q. Must you disclose every single modification when taking out a policy?
A. Yes. And you should update your insurance company accordingly, every time a modification is added to the car thereafter.
Q. How can you potentially reduce the costs of a Modified Car Insurance policy?
A. There are numerous ways you can help to reduce the costs:
- Obtain the ‘PassPlus’ qualification via the Institute of Advanced Motorists (beneficial for Young Drivers).
- Increase security features – add an alarm or immobiliser if it doesn’t already have one (particularly ones which have been categorised by ‘Thatcham’). This is one of the most effective ways of preventing car theft / break ins.
- Park your car somewhere safe – garage or driveway.
- Limit your mileage – ‘limited mileage discounts’
- Tracking devices – for vehicles with a high net-worth (such as Lamborghini or Ferrari).
Q. What are the minimum requirements for ‘Third Party Fire and Theft Cover’?
A. Under a Sky Insurance policy, the minimum requirements are:
- You must be at least 19 years’ old
- You must have at least 1 year NCB (No Claims Bonus) or proof of 'claims free' driving
- You must have held a full UK driving licence for a minimum of 2 years
Q. What are the minimum requirements for ‘Comprehensive Cover’?
A. Under a Sky Insurance policy, the minimum requirements are:
- You must be at least 21 years’ old
- You must have at least 1 year NCB (No Claims Bonus) or proof of 'claims free' driving
- You must have held a full UK driving licence for a minimum of 2 years
Q. What are the issues insurance companies are faced with when it comes to modified cars?
A. There are a few issues that insurance companies face:
- Value – the increased value of the car also represents an increase cost of a claim, should there be one.
- Replacement parts – certain parts can be harder to come by than others, in addition to an increased cost if they need to be sourced from over-seas.
- Drivers risk – if a driver has installed a supercharger, the performance will be significantly higher, this subsequently makes the ‘drivers risk’ higher.
Sky Insurance - Customer Car of the year 2017 entries...
Sky Insurance is renown for insuring Modified, Performance & Japanese Imports. Like most of our customers, most of our staff are also car enthusiasts, so you can imagine the pleasure it gave us to launch our Customer Car of the Year competition. Here's some highlights from past entries...
1. Alan's Nissan GT-R
Alan’s Nissan GTR
Engine: V6 Twin Turbo
A little bit about the car: Alan’s Nissan GTR has had an extensive list of work done to it. It’s got a lot of Carbon Fibre parts, has had well over 50 modifications, and is just beautiful. Here’s just some of the modifications that are on the extensive list…
Modifications: Litchfield Stage 4.25 Upgrade: Dyno’d at 695bhp / 626lbft, 1,100cc Fuel Injectors, Large Bore performance Forge intake kit with larger MAF housing, ECUtec ECU, Litchfield 102mm Full Exhaust System, Litchfield Race Intercooler, Litchfield Blow off valves, Litchfield Throttle Bodies, Litchfield Downpipes, Forge Header Tank, Alcon Super Brake Kit, Pagid PS29 Brake Pads, Airlift Performance Suspension, Eibach Anti Roll Ba, AG Carbon Fibre 421 wheels with Neochrome Hardware 20/10 Front 20/12 Rear, JCR Carbon Fibre Shift Paddles, custom carbon fibre interior trim, Recaro Seat Sliders, Expel Matte PPF over real carbon fibre bodywork with Dark Grey Vinyl Rear Quarter, many carbon fibre parts, Tommy Kiara LED Rear GTR Emblem, window Tints, Litchfield Stainless Steel Under Tray Bolts, Audison Voce 5.1K Amp, Audison Voce Speakers all round, Custom Carbon 5-Gallon Tank for Air Suspension, Accuair eLevel Management, and many, many more!
2. Kiran’s Alfa Romeo 147 GTA
A little bit about the car: It’s had quite a few modifications. These include: Vogtland coilovers, Cda carbon air box, 17×9 rota grids, Supersprint stainless exhaust, Front & rear strut braces, Sparco bucket seats and harnesses, Omp steering wheel, and a Cup splitter.
3. Ricky’s Audi R8
A little bit about the car: It’s the highest option specification from the factory. This includes: Full exclusive leather with ‘Red Bucket Seats’, full carbon fibre throughout (including mirrors and side blades), lightweight black alloys, full LED package, and mag ride adjustable suspension. It’s also had a full Milltek exhaust system fitted.
4.Mathew’s Ford Focus RS Mk2
A little bit about the car: The car has had many modifications, too many to list. Some of the main modifications include: a Revo 4+ remap, Mongoose exhaust, Induction kit, and upgraded pistons and rods.
5. Adam’s Ford Mustang GT
Modifications: Wide arch kit, Carbon fibre boot panel, Carbon fibre rear light surrounds, Rohana RC10 wheels, Roush vents cut into bonnet, Custom exhaust system by lightning Motorsport, Custom 3 piece duck tail spoiler, BC racing Coilovers, 20mm wheel spacers, Colour coded lower bumper trims and side skirts, Window tints, BBK throttle body, Air raid cold air intake, Mishimoto oil catch tank, Sequential side light and front indicators, Led Fog lights, side light’s and DRLs, Full LED interior light conversion, Carbon fibre mirrors, Carbon fibre fog light surrounds, Carbon fibre front splitter, Carbon fibre side skirt extensions, Smoked rear reflectors and reverse / fog light, Blacked out reflectors on the side of the rear bumper, Carbon fibre canards, Custom made rear diffuser, Mishimoto oil cooler, Mishimoto coolant tank, Mishimoto radiator, Grill delete with floating pony, kooks decat headers (had to be modified to fit), Custom map / Michelin pilot super sports with tyre lettering.
6. Harvey’s Honda S2000
Modifications: Brian Crower stage 2 high lift Cam, Skunk2 Mega power exhaust (Full), AEM series 2 ECU, K&N Air intake with Snorkle, Circuit Garage wide body kit, Cosmis Racing 18″ wheels, and Recaro Pole Position Racing seats.
7. Richard’s Lotus Elise
BHP: 257 hp. Car weighs 715 kg. (Approx 330hp p/t)
A little bit about the car: Richard’s Lotus Elise has been converted to a Motorsport using an Exige body and race spec rear wing. Full respray Aug 17. It’s had a Honda k20 conversion also (Type R Engine).
8. Lee’s Mazda RX-7 FD3
BHP: Not known as yet – anticipated: 500BHP+
Modifications: The whole list of modifications is huge. The main modifications include: 20B triple rotor engine conversion (involving a lot of custom-made parts) and a full wide-body conversion. The car was revived from a long stood non-runner to how it stands now.
9. Chris' Mitsubishi Evolution
BHP: 435 (although engine has just been re-built so maybe a little more)
Modifications: Fully forged engine with long rod pistons upgrade, new 20g turbo, Tomei 260 cams, 3 port boost solenoid, COP kit, ball bearing short gear linkage conversion, XXR 575 18″ alloys, federal RSR 265/35/18 tyres, aluminium oil catch can with an10 braided hoses, Welbro 255l fuel pump, O2 dump screamer pipe, Evo 9 rear bumper, Voltex rear arch kit, Milltek 3″ downpipe with full turbo back 3″ system, black gloss side skirt extensions, rear spats, vortex generator and spoiler, as well as custom stainless covers in the engine bay.
10. Peter’s Toyota Supra MKIV
Litre: 3.0 litre Twin Turbo
Modifications: 356mm big brake kit all round, 8pot calipers front, 4pot rear, HKS coilovers, 18” rota grid in Matt bronze, Carbon front lip, HKS boost controller, Front mount intercooler, and a Titanium exhaust system.
11. Aaron’s Nissan 200sx (RB25 Converted)
BHP: 400hp (basemap) – soon to be 550hp+
Litre: 2.5 litre Tubro
A little bit about the car: Aaron’s Nissan 200sx (RB25 Converted) has had over 80 modifications – so many that we simply can’t list them all. So, we’ll give you an overview…
Modifications: RB25 det conversion from r33 G-tst on 105,000Km, Cometic head gasket, 1100cc Bosch top feed injectors, Japspeed radiator with twin electric fans, Nardi deep Corn steering wheel, Driftworks Quick Release Boss, Bride fixed bucket seat (drivers), Bride reclining bucket seat Rep (passenger), Takata Harnesses, R33 G-tst gear box (custom gear box mount), brand new Custom Propshaft (speced to suit) serviceable single piece, Exedy stage 3 clutch, D2 coilovers, extended LCA’s, Refurbed steering rack poly bushed, Japspeed tie rods, Japspeed track rod ends, OBP reverse hydraulic handbrake (willwood cylinder), Cosmis Xt206-r 18 x 11 et0 all round, roof spoiler, Apexi Power Fc D-jetro MAP sensor, Greddy boost controller, Greddy Boost gauge and more!
12. Amy’s Nissan Fairlady Z33 (import)
Modifications: 19” WheelMania aftermarket alloys, Bilstein adjustable coilovers, Amuse front bumper, Amuse rear bumper, Amuse front splitters, Blitz rear spoiler, Chargespeed sideskirts, Veilside bonnet, Japspeed exhaust, Brembo calipers, Stoptech brake disks, Full respray in Datsun Sora blue, Full clarion custom sound system, Custom door cards in leather, Custom leather seat covers, Custom build rear sub and amp -compartments, Fairlady z Datsun badge, Samco white hose kit, Ultra racing strut brace, and a Pipercross foam filter.
13. Elton’s 1991 Nissan Pulsar GTiR
Litre: 2.0 litre Turbo
Modifications: Forged engine, Powerflow manifold, Uprated T28 turbo, 3 inch elbow with screamer pipe, Straight through exhaust with blue flame twin departure system.
14. James’ Nissan Silvia S15
A little bit about the car: James’ Nissan Silvia S15 is a full road legal competition drift car. It’s got the ‘Rocket Bunny S15 V2 kit’ on it, and has a few other modifications too. These include: 326 Power Yabaking Alloy Wheels, full Alcon Racing Brake Setup and a re-paint in ‘Deep Candy Red’.
15. Badshah’s Porsche Cayman
The car has no modifications, it’s the standard factory specification.
16. George’s 1985 Toyota Sprinter Trueno
BHP: 135.9whp (108whp stock)
Modifications: Running ZX9R bike carbs, full Driftworks suspension, half Roll Cage, Bucket Seat, TRD LSD Diff, TRD short shift, Closer Ratio Gearbox, Weightsaving Rust Holes, Wanatanabe Wheels, and a Varis Racing Carbon Fibre Bonnet.
17. Karl’s 1993 Toyota Supra Aerotop
Modifications: Repainted Nissan Bayside Blue, 2JZ-GTE Engine swap, 6 speed V161 manual gearbox conversion, Single turbo conversion, Borg Warner SXE 66mm turbo, Garage Whifbitz twin scroll manifold, ASNU 850cc injectors, Walbro 450lph fuel pump, Twin Turbosmart wastegates with twin screamer pipes, Turbosmart Raceport BOV, Syvecs S6 ecu, Garage Whifbitz 4” front mount intercooler, Garage Whifbitz 264 cams, Garage Whifbitz ally radiator, Line lock kit, Tein Coilovers, Full interior retrim with Recaro SR seats, and the list goes on…
18. Michael’s Toyota Supra RZ-S
Modifications: Just some of them include: DO-LUCK Front bumper, TRAIL Rear bumper smoothed, BLITZ Side Skirts smoothed, re-paint in Liquid Yellow, Dash sprayed in Liquid Yellow, Chrome heater knobs, Greddy gear knob, OEM Recaro Seats, Large front mount intercooler, Walbro Fuel Pump, HKS boost controller, Polished cam covers,Inlet, throttle body, HKS Dump Valve and elbow, 24ct gold plated Fan Cowling, plinth and top hose pipe, APR Carbon rad cooling plate, APR carbon fuse box cover, Carbon bonnet struts, APR Carbon Spark Cover, Engine bay painted matt black, CCW LM20’s gloss lip Satan centres and many more…
19. Michael’s Vauxhall VXR8 GEN f GTS
Modifications: Walkinshaw stage 2 which includes cold are intake, and performance cam.
20. Rob’s 1968 Ford Anglia Deluxe
Litre: 3.9 / 4.0
Engine: V8 engine (from a Range Rover)
A little bit about the car: It’s a 5-speed manual with power steering. Modifications include: a Cosworth servo, BMW M3 rear axle with limited slip diff, M3 front legs and brakes, the chassis has also been modified and strengthened.
Sky Insurance - Customer Car of the year 2016 entries...
1. Adam's Toyota GT86
This GT86 doesn’t just have the looks but has the power to back it up too.
Normally 2Litre and Naturally aspirated its now been turbocharged and is currently running 320Bhp. As well as the Stage 3 Billet Turbo Kit with supporting modifications it’s also had a full V1 Rocket Bunny body kit fitted complete with side skirts, splitter and carbon GT wing and to finish off a gorgeous and quite pricey set of Work Meister M1's which suit this body incredibly well.
2. Alex's Ford Focus RS
This Mk2 Focus RS is very unique and definitely stand out from the crowd.
Alex has had a customer Monster Energy Vinyl wrap. Under the bonnet he is running a JWR 120i Remap bringing the car to 420Bhp. An extra 120Bhp more than standard.
3. Curt's Honda Civic Type R
This Ep3 Civic Type R has been resprayed in the lovely Championship white. Not only is the car this colour but he has had his original Enkei wheels powder coated to match the car. The K20 engine is still naturally aspirated but has had induction and exhaust modifications. The car has had a lot of visual modifications but has been kept simple and tasteful.
“Right now, my Honda Civic Type R is around 220bhp. It’s an ep3 (UK spec) 2002 model and has a 2.0 litre engine."
Here’s some of the modifications and work that’s been completed on the car:
- Full respray in ‘championship white’ (98 Integra DC2 blend)
- Replaced the Type R badges with new ones and re-sprayed
- The original Enkei alloys have been powder-coated in ‘championship white’
- Have added an EK9 JDM decal set
- Input a ‘Skunk2’ weighted gear-knob
- EK9’d headlights (inner part painted black)
- Included a full energy poly-bush suspension bush kit, and inputted engine mount inserts
- Vibra-Technics front upper engine mount
- Tegiwa solid sub-frame collar kit
- Projekt K steering rack slider
- Beaks rear lower sub-frame brace
- AEM v2 induction kit
- Scorpion stainless exhaust system with tuner tailpipe
- Eibach pro lowering springs with camber adjustment front and rear
4. Gareth's Ford Focus RS
Gareth’s Mk3 was the first one to go on cover with Sky Insurance. Gareth has a love for being different and has certainly put his own stamp on this RS, just like he did with his last. One of the only ones with Air ride it definitely stands out. As well as the air ride he has a set of Gold Comp wheels and Scorpion Exhaust.
5. Chris' Toyota Supra
This car has been practically rebuilt in order to achieve 765bhp! This particular car, as stock, came with an N/A engine which usually produces around 200-220bhp, and had a 4-speed automatic gearbox. The car has gone through an incredible amount of changes in order to produce 765bhp / 596ftlbs torque at the wheels – which is what it produces now. The engine has been fully forged to the point where it has the potential to withstand 1000+BHP (with the right supporting modifications, of course). Chris chose a T67 Turbo, as he believed it has the best all-round acceleration and top-end speed.
6. George's AE86 Trueno
The Toyota AE86 is a very iconic car within its own rights. The car was imported from japan and has recently been purchased by George. Currently he is in the process of putting his own stamp on this car. The vehicle has had suspension changes and some minor engine modifications. We are sure that we will be seeing more changes before it gets to show season.
7. Harvey's Honda S2000 GT
The Honda S2000 is one of those cars that doesn’t need many improvements from how it came from the factory. The car originally had a 2Litre naturally aspirated which came with 240Bhp from the factory. Harvey has left the car naturally aspirated but done a lot of other mods.
While Harvey focused on modifying the style of his Honda S2000 with a modification list that includes:
- Interior swap from red to black
- Drift Front Grill swap
- Stock seats swap to Recaro race seats (from Honda Integra DC5)
- OMP Removable Race Steering Wheel
- Alpine head unit + uprated speakers + 12” JBL Subwoofer
- Staggered 18” Rota Grid Race Wheels with over fenders
- Tien Mono Flex adjustable suspension with EDFC controller
- Big Brake Kit: PB performance 6 pot 356mm
- Pirelli P ZERO Race Tyres
- K&N Race Air Charger
- Evans Waterless Coolant Conversion
- Skunk2 Mega Power Header
- Skunk2 Mega Power Cat Back Exhaust
- Stage 2 Brian Crower Cam shaft
- AEM Series 2 ECU Controller (9,200 RPM Cut off)
- Aluminium Light weight Pulleys
- Spec Stage 3 Race Clutch
- ACT Race Spec Light weight Flywheel
- Carbon Fibre Rear Wing
8. Jamie's Nissan 200sx
The list of modifications Jamie has made to his Nissan 200sx could fill an entire blog post... so we wrote one. Check out the full list of mods here.
Currently running 300Bhp this car hasn’t just had engine mods it’s had lots more done to it. Jamie is currently running a Garrett GT28R turbo with braided lines as well as other supporting mods to get it to this power. As well as the engine this car has had rear over fenders, front wings, skirts and other body modifications. He also has a set of Work Meister S1’s which we love.
- Garrett GT28R turbo with braided lines
- Apex turbo manifold
- HKS adjustable actuator
- 800bhp Stainless elbow
- Japspeed Ultra Low downpipe
- Blitz Nur Spec cat back system
- Apex Gen 2 coil overs
- 6″ front springs
- Hardrace adjustable toe arms
- Apex adjustable camber arms
- Whiteline front ARB
- Apex half cage
- R33 GTR Brembo front calipers
- Ferrado DS2500 pads
- 330mm grooved rotors
- R33 GTR BMC (BM57)
- Tegiwa BMC stopper
- ABS removed
9. Jason's Toyota Supra
Find out more about how Jason took a 220bhp and made it into the 700bhp masterpiece it is now. Read the blog here.
10. Martin's Ford Falcon (BA) UTE
This Ford Falcon is the XR6 GT. This 4Litre engine has had a few modifications such as remap, induction and exhaust. As well as this Martin has ensured that the body of the car is back up to his high standards. He has also some body modifications added such as vinyl stripes, better spec bonnet, front splitter and alloy wheels.
11. Michelle's Nissan S14a
Michelle's modifications are all around drifting: Roll cage, bucket seat and harness for safety, Japspeed intercooler, Japspeed exhaust, Exedy clutch, vented bonnet, and Driftworks CS2 suspension.
12. Sean's Volkswagen Golf GTI
This lovely mk1 golf GTI may look like a simple classic car but under the bonnet its not. Sean now has a 2Litre TSFI Audi engine with lots of uprated parts including intake, exhaust, fuel injectors and fuel pump and dump valve. Other than that Sean has kept it simple with new suspension and a set of wheels which suit this classic beautifully.
13. Steve's Audi S3 Saloon
Modified and currently running at 400bhp, Steve’s Audi S3 saloon is incredibly well known, with over 47k followers on his Instagram it goes to show a simple tasteful look can still get a lot of attention. His past few cars have all had air ride and it does make a huger difference to the visual aspects of the car. Blog will be coming soon.
14. Warwick's Audi RS3 Quattro
Warwick is another customer who’s car is incredibly well known. He currently has 12.9k followers on his Instagram. This is another car that shows just a few tasteful modifications can really have a huge impact on how a car looks. Warwick has gone for the stealth look, not only does it look good but it performs well. The 2.5Litre turbo engine also sounds lovely, especially with the help of a custom exhaust from Emp Performance. This car is currently running at 362bhp. Some of the modification to enhance this beautiful Audi RS3 Quattro include;
- 4Air ride installation (which has made a massive difference, with custom install)
- All the window trims were silver – they’re now all blacked out (the car has more of a stealth look – also makes it a lot easier to clean)
- The wheels have changed from standard
- Custom exhaust fitted (from EMP Performance, based in St Albans)
15. Wayne's Nissan Skyline R34 GTR
Wayne’s Skyline is a R34 GTR currently running 500Bhp. From standard this car comes with the infamous RB26 Engine. It’s a 2.6Litre twin turbo, it was stated that they came with 276Bhp from factory. This is the second R34 that Wayne has had.
16. Ben's Sleeper Corsa
Now this is something special. This old Vauxhall Corsa originally was a 1.2Litre which would have only had 64Bhp from the factory. Ben changed this for a 2Litre turbo 600Bhp Engine. Ben is currently running it on low boost at 400Bhp but that amount of power in something that weighs in at 889Kg its rather impressive. As well as the engine it’s got a full cage but on the outside it looks rather standard… Well maybe if you didn’t notice the massive front mount intercooler.
17. Bob's Nissan Skyline R34 GTR
So this is the second GTR amongst these cars. However Bob’s really is something special. This R34 GTR comes in the most iconic colour, Bayside Blue and in our opinion the best colour for the R34. Although these cars look gorgeous from standard Bob has kept it simple by changing some of the parts to Carbon Fibre and adding Nismo parts such as side skirts. Although the car may look visually standard its far from it. The engine is now a 2.8Litre with a substantial amount of other supporting mods to get it to the 900Bhp which its currently running. Blog post coming soon.
18. Bruno's BMW M4
This BMW M4 comes from the factory with 420Bhp. Currently the power is around the same from factory however he has done some visual mods which we think really make the car stand out. He has added the BMW M Performance pack which does include lots of Carbon Fibre parts to the car not just on the outside but the inside too. As well at this he has changed the wheels to a set of BC Forged RS41 wheels finished in a lovely Crystal Burgundy colour.
19. Chris' Eunos
This car still has the standard engine and stock internals but has a MP45 Supercharger with a KAVS 15% Reduction Pulley. As well as the engine mods its had lots of visual mods too. The main one to stand out is the full respray in Honda Amethyst Pearl. This really makes the car stand out as well as the Work Meister S1’s and the Megan Racing Carbon Fibre Wing.
20. Dave's Porsche 911 Turbo S
This 911 Turbo is 520Bhp from standard so its safe to say it doesn’t exactly need any performance upgrades. Dave does have plans to do some more visual mods but currently its just got uprated suspension and an exhaust system.
21. Jamie's BMW M3
Many of you would have heard of Jamie Price from his previous and very well known Toyota Supra. We get the feeling that although he is now the proud owner of this lovely E46 M3 he couldn’t completely stay away from the Japanese engines. Now with a 2JZ Conversion and running 700+Bhp this car is becoming a star within its own rights. Recently shared by Car Throttle Jamie received 1.4 MILLION VEIWS.
22. Michael's Ford Focus - the fastest in the UK
Now the Mk2 RS is re-nouned for being rather lairy and loud. Michael’s certainly lives up to that reputation but goes above and beyond when it comes to standing out for all of the right reasons. In quite a short time he has transformed the originally 300Bhp car to a 950Bhp+ car. The + is because it can run more but for reliability he runs its at that. Insane we know. He was also one of the first to have a turbo relocation which certainly draws people in considering its sheer size. Next year you will certainly be seeing more of this car.
23. Jamie's Challenger SRT8 (US Import)
Jamie’s Challenger is the only US import in this category and it certainly does portray a good picture for American cars. From factory it may not have the highest Bhp but it will be one of the best sounding. The 6.1Litre V8 Hemi is one of those sounds that you have to hear for yourself to appreciate how good it sounds. As well as the sound this car looks incredible. The all blacked out stealth look really makes the world of difference.
24. Luke's Nissan 350z
The 350Z is one of them cars that you can visually change quite dramatically with the right modifications. Luke’s is certainly one of our favourites. As far as we are aware he is the only person in the UK with this rear wing, the wing itself has one of the biggest impacts on the car as well as the matte bronze 7Twenty wheels. Currently he has minor engine mods including Induction, Custom titanium exhaust and plenum spacer. From factory the car has a 3.5Litre V6 so with a little help of that Emp custom exhaust it really does sound the part as well as looking it.
25. Nick's Ford Focus RS
Last but in no means the least we have Rocket. The name Rocket fits this car perfectly and it is loved and known by many. Nick has been through many different looks with this car including an Abu Dhabi style which you can see on our customer car page. He currently has the ACR Composites WRC bumpers, M-Sport Carbon Fibre WRC Wing and a few other visual mods. As well as visual mods Nick is running a EMU Standalone ecu, a huge Borg Warner Turbo which he has had relocated and loads of other supporting engine mods taking the car to 800Bhp. He has just been featured in Decembers issue of Performance Ford magazine where you can see some great pictures of the stripped interior, engine bay and loads more of Rocket in all her glory.
Sky Insurance & CarThrottle
CarThrottle, in affiliation with Sky Insurance, have produced some great modified car videos - here's their latest.
The Latest from The Sky Insurance Blog - (Keep up-to-date by 'liking' our Facebook page)
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.
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. 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.
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 British Drifting 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
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.