Specialised Insurance for Modified Cars

Understanding Modified Car Insurance

Modified Car Insurance is a specialised insurance policy designed for vehicles that have been altered or customised from their original factory specifications. Whether you’ve enhanced your car’s performance, aesthetics, or both, it’s essential to have the right insurance to cover the unique risks associated with modified vehicles. This type of insurance ensures that all modifications are protected and that you have comprehensive coverage tailored to your specific needs.

Why Modified Car Owners Need Specialised Insurance

• Unique Risk Factors: Modifications can increase the risk of accidents or theft. Specialised insurance takes these factors into account, providing appropriate coverage.
• Accurate Valuation: Standard car insurance may not account for the increased value due to modifications. Modified car insurance ensures that the true value of your vehicle, including all enhancements, is covered.
• Legal Compliance: Certain modifications might require specific insurance to comply with Australian road laws and regulations.

Key Features of Modified Car Insurance

• Comprehensive Coverage: Protects against a wide range of risks, including accidental damage, theft, fire, and third-party liability.
• Modification Coverage: Ensures that all declared modifications are covered, whether they enhance performance, appearance, or functionality.
• Agreed Value Coverage: Allows you to agree on the value of your modified car with the insurer, ensuring you get the full value if your car is written off.
• Flexible Policies: Customisable policies that can be adjusted based on the extent and type of modifications made to your vehicle.
• Third-Party Liability: Covers legal costs and compensation if you are held liable for causing injury or damage to other people’s property.
• Specialist Repairers: Access to repair shops that specialise in modified vehicles, ensuring that your car is restored to its customised condition.

What Does Modified Car Insurance Typically Cover?

• Accidental Damage: Coverage for repair costs due to accidents, including those resulting from enhanced performance capabilities.
• Theft and Vandalism: Protection against theft or damage due to vandalism, including theft of or damage to specific modifications.
• Third-Party Liability: Covers legal costs and compensation if you are held liable for causing injury or damage to other people’s property.
• Fire and Natural Disasters: Insurance for damages caused by fire, floods, storms, and other natural disasters.
• Agreed Value: Ensures that you receive the agreed-upon value of your car in the event of a total loss, accounting for all modifications.

How iQuotes works

iQuotes is a free quote-request service. We are not an insurer and not a broker, and we do not give advice.

1. Tell us what you need insured: one short form covering the risk, where you are, and when cover needs to start. No paperwork and no account.
2. We pass it to matching brokers: your request goes to Australian brokers who write that class of insurance, and they contact you directly.
3. You deal with whoever you prefer: compare what you are offered and take it up with the broker you choose. The advice and the policy come from them.

There is no cost to you at any stage and no obligation to accept anything you are offered.

Specialised Insurance for Modified Cars