Modified Car Insurance

We have a great understanding of how technical car modifications work, and that helps us determine what modified car insurance policy would suit you best.

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Why choose Howden for Modified Car Insurance?

Howden is the new name for A-Plan. Here at Howden, as a motor insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist car insurers, we make the process of comparing multiple insurance policies, on your behalf, simple and straightforward. What’s not to like?

We also recognise that each policy needs to be as individual as its owner and their modified car, and that’s why we provide a bespoke, personalised service, focused on getting to know you and learning more about exactly what you want from your modified car cover.

Ultimately though, whether you need to make a claim, purchase a new motor policy, or renew an existing one, just know that we’re here to help if you need us.

Benefits of working with us:

  • You can trust us – we’re rated Excellent on Trustpilot.
  • We’re driven to save you time, money, and hassle.
  • Benefit from a tailored service that comparison sites can’t provide.
  • Speak with your local branch, within your community.
  • We’re right by your side in the event of a claim.

How does Modified Car Insurance work?

Modified car insurance doesn’t work any differently from standard car insurance, except that it factors in any modifications or alterations you’ve made to your car as well. These modifications can include performance upgrades, aesthetic changes, and alterations to improve the car's appearance or functionality.

As unique features such as these can pose different risks compared to those posed by standard vehicles, specialised insurance is necessary to adequately cover them. You can expect the following to be included in your typical modified car policy:

  • Limited mileage discounts
  • Track day cover
  • UK and European breakdown
  • Offer club member discounts and access to bespoke schemes where available
  • Multi-vehicle cover

To help you find the right policy, we take your needs and modified car into consideration, and recommend an insurance policy to fit your individual requirements. Whilst doing that, we’ll also strive to offer you the ideal modified car insurance cover option at our best price.


Get in touch

Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.

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