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 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 331 251 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.
Sky Insurance Customer Car of the Year 2016
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 2016 competition.
Many of these cars have had articles written about them on our blog pages. The winner of the Sky Insurance Customer Car of the Year was Jamie's highly modified Nissan 200sx. (You can read all about his car on our blog - click here). The full results from the voting are here;
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
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 Insurance 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 Insurance. £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 Insurance 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 Insurance 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 Insurance!
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 Insurance 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 Insurance.
Mirrored No Claims Discount on GTO on Modified Car Insurance Policy
Just wanted to post up about my dealings with Sam from Sky Insurance 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 Insurance 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 Insurance 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.