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Modified car cover from insurers who understand performance.
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Performance cars cost more to insure because they're more expensive to repair, more attractive to thieves, and statistically more likely to be involved in claims. But comparing quotes is still the most effective way to find competitive cover for your vehicle.
Specialist components and technology mean repair bills for performance vehicles can be 2–3x higher than standard cars.
High-performance models are among the most stolen vehicles in the UK, with keyless relay theft a growing concern.
Higher speeds, rapid acceleration, and greater power mean performance cars are more likely to generate costly claims.
There are several effective ways to bring down the cost of insuring a performance car.
Install a Thatcham-approved tracker. Could help reduce premiums and may be required for cars valued over £50,000.
Park in a locked garage. Secure overnight parking can reduce premiums significantly versus on-street parking.
Limit your mileage. If your performance car is a weekend car, low mileage under 5,000 miles per year could help reduce your premium.
Build your no claims bonus. Five years of claim-free driving could significantly reduce your premium.
Compare specialist and standard insurers. Specialist insurers can sometimes offer better rates for modified vehicles, while standard insurers may be more competitive for factory-standard cars. Always compare both.
Consider multi-car insurance. If you have a daily driver plus a performance car, insuring both with one provider could help reduce costs.
Declare all modifications. Failing to declare modifications can void your insurance entirely. Always declare every change, no matter how minor.
Pay annually. Monthly payments add 20–30% in interest. On a £2,000 performance car policy, that could be an extra £400–600.
If you have modified your performance car or plan to, every modification must be declared to your insurer. Undeclared modifications can void your policy and lead to rejected claims.
ECU remaps, turbo upgrades, exhausts, and intakes can increase premiums by 20–50%.
Coilovers, lowering springs, brake upgrades — expect a 10–30% increase.
Body kits, spoilers, alloy wheels over 18 inches, wraps — typically 5–20% increase.
Thatcham trackers, alarm upgrades, steering locks, and Faraday pouches could reduce premiums by 5–20%.
If you have spent money on modifications, a standard market value policy may not reflect what your car is actually worth. Agreed value policies let you and the insurer set a value upfront — that is what you receive if the car is written off.
You and your insurer agree the car's value upfront. Best for modified cars, rare models, and appreciating classics.
Insurer determines value at claim time based on comparable sales. Best for factory-standard cars with easy-to-determine values.
Essential for performance cars. Third party only would leave you massively exposed if a high-value car is written off. Compare comprehensive →
Specialist insurers typically include up to £5,000 of modifications in the base premium. Standard insurers may charge extra for any changes.
See if you can find competitive cover from 130+ UK insurers — including specialists.
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Find answers to common questions about performance car insurance.
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