Modified Car Insurance

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Compare Modified Car Insurance quotes

With Performance Direct's online quote engine you can compare a wide range of Modified Car Insurance quotes in minutes. Performance Direct is one of the UK’s leading specialist insurance brokers for modified cars. We’re experts, with years of experience saving modified car owners money.

Although many general insurance companies simply don't understand modified cars, Performance Direct specialises in modified car insurance and can find the best value policies, online and on the phone.

In fact, in many cases, with Performance Direct, modifications to your car will make no difference to the price of your insurance.

With Performance Direct, getting car insurance for modified vehicles is a simple process. Whether you've simply fitted alloy wheels or made extensive modifications, Performance Direct are the modified car insurance experts.

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

We provide insurance services to UK residents only.

Rated as excellent on Trustpilot with over 14,000+ reviews

Benefits of our Insurance Policies

  • FREE legal cover 

  • Uninsured driver protection

  • Payment options

  • 24 hour claims service

  • UK call centers 

  • 2nd car discount 

  • Fraud fighting technology

We search our panel of leading underwriters to find you the best policy

Why choose Performance Direct?

  1. The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine and automated customer services allowing hassle-free access to documents and information.

  2. The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

  1. We’re independent. Because we’re not tied to any brand or product, we can search the car insurance market to get you the best policies­—from third party policies to fully comprehensive cover. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.

  2. We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year. 

  3. Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.

Car insurance optional extras

Protected No Claims Bonus

A way to safeguard your no claims discount is to pay an additional amount on top of your car insurance to protect it. This means that even if you were to make a claim, your no claims bonus would stay intact.

Important information:

No claims discount protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault. No claims discount protection allows you to make one or more claims before your number of no claims bonus years falls. Please see the step-back procedure for details.

Breakdown Cover

Breaking down during the course of a journey or the failure of your vehicle to start outside your home could result in the unexpected expense of paying for assistance. To avoid such cost and frustration, we recommend our Award Winning Breakdown Service offering varying levels of cover to suit your needs.

What’s included?

Roadside (Assistance and Recovery)

Homestart (Assistance)

European (Assistance and Recovery)

Performance Direct, for all your insurance needs

More About Modification

Any car that has additions or alterations to its standard factory specification is what the insurance industry calls a 'non standard' or modified vehicle. Modifications may include the fitting of a new performance exhaust system alloy wheels, air filter, the fitting of body kits or any tuning procedures that enhance the performance of the vehicle.

It is imperative that you tell your insurer if your car has been modified in any way. If you don't, your modified car insurance may be invalid. If in doubt, ask.

Remember, by dealing with Performance Direct, we can guarantee that you are fully covered for the best possible price.

Modified Car Insurance UK

The desire to modify your vehicle whether to increase performance or for other reasons is becoming increasingly popular, however if you have a modified car, even a simple modification, many insurers increase their premiums as though it were a fully customised vehicle built for racing.
Performance Direct understands that the desire for an upgraded version of your car is perfectly reasonable. In fact, this has been occurring all throughout automotive history.
Your vehicle’s performance will not always be affected by an aesthetic modification and other modifications affect a car’s performance in different ways. We take this into consideration when providing a modified car insurance quote and do not simply issue standard policies.

Even if modifications have been made to an automobile engine Performance Direct has the experience of providing modified insurance quotes on a car by car basis.
We provide the coverage required for your modified vehicle and not a general modification rate that other insurers give. So if your car is a BMW or a Nissan we have the modified car insurance quotes to suit your vehicle. We are conveniently available 7 days a week either direct or online.

We aim to provide cheap car insurance for all customised cars and driver types including young drivers.

Modified Car Insurance For Young Drivers

At Performance Direct we have a history of providing quality, cheap car insurance for young drivers. This extends to the range of car insurance for modified cars that we have to offer.
We source a range of insurance policies in order to provide the best quotes possible, even for young drivers who have vehicles with modifications. We are happy to discuss your specific modification or intended modification in order to find your ideal quote.
Insurance for young drivers can be among the highest premiums there are, with some insurers not dealing with young drivers. This is not the case with Performance Direct. Among modified car insurers Performance Direct really does go that extra mile to give the extra care and attention that each customer deserves no matter what age.


A Modified Car Insurance Quote You Can Trust

We believe in the individuality of our customers and the uniqueness of their vehicles. This is absolutely true for modified vehicles whose personality reflects that of their owners.

We believe that the choice to modify your own automobile should not unduly affect the cost of your premium.

We are modified insurance experts for a reason with extensive knowledge of insuring customised and upgraded vehicles.

We search a range of available coverage in order to provide the best and cheapest premiums available. In many cases the price you pay for your premium will not be affected by a modification. We pride ourselves on our cheap insurance for modified cars and other specialist vehicles.

Call direct today or click for an online quote for cheap modified car insurance from Performance Direct, the expert insurer that cares