Don’t have your registration number? No problem, click here.
We're partnered with Quotezone.co.uk. As an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone.co.uk (FCA FRN: 313860), we receive a commission if you purchase insurance products through the link above/below. We do not provide advice or make recommendations. Your choice of provider is entirely your own.
Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.
Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.
Purchase a qualifying policy via Insuro and you could also be eligible for a free £10 Amazon voucher on top of your cover.
Increase your chance of finding a great deal by comparing multiple companies using a single form.
Purchase your insurance policy quickly and easily; monthly and annual payment options are available.
Get your quotes by filling in one simple form, compare prices, and start saving.
Join Quotezone’s ever-growing list of satisfied customers and find your quotes today.
The provider is committed to keeping your data safe and secure.
The service isn’t owned or has any investment from any insurance company.
Most car insurance companies don’t cover modified vehicles. This is why modified car insurance policies exist. Some policies won’t cover modified cars at all. Others will cover modified vehicles the same way they cover other vehicles. However, only a few will cover modified cars if they clear that modification policy.
The policy covers any modifications affecting the car’s value, safety, handling, or appearance. The typical modification policy also limits the changes and what they do. For example, it may limit the kind of engine, the horsepower, the number of wheels, or the use of nitrous oxide.
Changes to a vehicle that increases the horsepower, capacity, or weight are not covered.
The modification policy may also say what tests are needed to determine a modified vehicle’s value, safety, handling, or appearance.
The standard policy covers any modifications that don’t affect the value, safety, handling, or appearance.
Modified car insurance covers modifications you have made to your car. The insurance company will often have a list of the types of modifications that are covered.
Standard insurance policies usually do not cover modifications like custom paint jobs, custom wheels, and oversized tyres because these changes are primarily for cosmetic reasons.
However, if you install an alarm system or GPS device in your vehicle, this modification will likely affect your insurance rates. These modifications aim to prevent theft and accidents but can increase your risk of filing an insurance claim.
Some modifications, like safety devices, may raise or lower your insurance rate. A vehicle’s airbags, anti-lock brakes, or traction control system may reduce the insurance rate. Conversely, installing more powerful brakes or running a larger engine will raise your rates.
It is essential to note that the insurance company will only pay for the modifications that increase your vehicle’s safety. If your car is modified to make it more dangerous to drive, the insurance company will generally not pay for it.
Modifications to engines are usually not covered by standard insurance policies. For example, if you install a new exhaust system, your insurance company may not pay for it. The insurance company will only pay you for modifications that apply to safety.
Before buying car insurance, you should review your insurance policy to see what modifications are covered and not covered by the policy. You should then either find a company that will cover all your changes or make sure the company will cover those that are important to you. Click here to check which modifications are legal in the UK.
Remember that if you file a claim for an accident caused by one of your modifications, your insurance company may deny the claim. For this reason, carefully considering which modifications you make to your vehicle is essential.
Insurance can seem costly when you need to cover a modified car. We know how important it is to protect every part of your prized vehicle. Insuro makes it easier to find and compare competitive deals on specialist modified car insurance.
Insurance costs can quickly mount up when you are covering a modified car. If you see you can save money on modified car insurance deals via Insuro, through Quotezone. Customers were quoted less than £350* for car insurance when they used our online comparison tool.
You might also be able to save money when you search for car insurance with us. Enter your details now to search for impressive quotes.
Over the last few months, searches like “over 65 driving test uk” and “driving test for over 65” have jumped in Great Britain. Many people are asking if there’s a brand-new test you must take at 65. Short answer: there isn’t. UK licence renewal does change at 70, but there’s no automatic re-test.
Vehicle Excise Duty (VED), or car tax, is a mandatory fee for most vehicles driven or parked on UK public roads. The 2026 tax year brings significant VED changes, effective from 1 April 2026, impacting petrol, diesel, hybrid, and electric vehicle (EV) owners. This guide details the updated rates, how they’re calculated, why “car tax” […]
This article explains what factors result in the cheapest car insurance. Finding the cheapest car insurance in the UK depends on various factors, including the type of car you drive, your age, location, and driving history. This guide explores these aspects in detail and provides insights into how to secure the most affordable policy for […]
We use cookies to keep insuro.co.uk running smoothly, remember your quote preferences, and understand how visitors use our site so we can make it better. See our Privacy Policy for details.