Modified car

A simples guide

What modifications will affect my insurance?

As we’ve shown you before, modifications of any kind could affect the cost of your insurance. Whether performance-enhancing or simply cosmetic, your insurer will want to know if you’re pimping your ride in any way. But what modifications are you most likely to make and how will these affect your insurance? 


Car modifications

Modifications are becoming increasingly popular as new gadgets are produced to improve the look, feel and performance of our cars. And whilst you might think modifications refer to boy racers with custom paint jobs and ridiculous exhausts, the truth is that many of the most popular modifications are a lot more low-key.

And modifications aren’t just a boy’s game either. Last year we conducted some research which showed that 38% of people who add ‘extras’ to their cars are women. Whilst they may not be sporting special spoilers or adding twin exhausts, they could be more likely to want cosmetic additions like personalised numbers plates, a snazzy stereo or custom seat covers. 

What counts as a modification?

Simply put, a modification is any change you make to your car that alters it from the manufacturer’s standard settings. Modifications tend to fall into one of two categories: performance or cosmetic. Unsurprisingly, altering your suspension, changing the wheels or upgrading your exhaust are all examples of modifications that might improve your car’s performance. Whereas go-faster-stripes, speaker systems and Sat Navs are types of cosmetic changes. 

lowered car

What are the most popular modifications?

We’ve pulled together some data which highlights the top 10 most popular modifications as disclosed and quoted for on our site. You can click through our top 10 below to find out more…


modded car chart

What cars are most frequently modified?

You probably won’t be surprised to find out that some cars lend themselves better to modifications than others. Whilst there is always likely to be fewer modified versions of these models than there are originals, it’s interesting to see what cars have turned up in our Top 10.

As you can see, the Subaru Impreza is the most popular modified car according to our research and nearly 15% (14.73%) of all Imprezas that are quoted for on site include modifications. Similarly popular for modifications is the BMW 525 where 12.71% of vehicles have been added to or altered.

Interestingly, Land Rover feature heavily on the list with the Discovery, the Range Rover, the Freelander 2 and the Range Rover Sport all making our Top 10.

A note from our experts...

Dan Bass, our Head of Motor, says “Modifications are always of interest to your insurer. Whilst many small modifications are unlikely to affect your premium too heavily, it’s always best to make sure you’re covered in the event of an accident. Whilst some of our data indicates that you could pay, on average, an extra 4% on your premium for a modification to your vehicle, this will depend on the type of modification you have. And there are many other factors that are considered when your premium is calculated so be sure to disclose any modifications to your insurance provider.”

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