Modified Supercar Insurance: What’s Accepted and What’s Not

Tysers Insurance Brokers |

For many prestige car owners, personalising a supercar is part of the ownership experience. Whether it’s performance tuning, aesthetic enhancements, or cutting-edge tech upgrades, modifications can elevate your vehicle, but they can also complicate your cover and you may require modified supercar insurance.

In this guide, we explore what’s accepted, what’s not, and how a bespoke insurance policy can ensure your modified supercar is properly protected.

 

Why modifications matter in supercar insurance

Modifications can significantly alter the value, performance, and risk profile of a vehicle. That’s why insurers need to know exactly what’s been changed. Failing to disclose modifications can lead to reduced payouts, or even a voided policy.

 

Commonly accepted modifications

Most bespoke insurance brokers will accept the following, provided they’re professionally installed and fully disclosed:

  • Performance upgrades – ECU remapping, exhaust systems, suspension enhancements
  • Cosmetic changes – Custom paintwork, body kits, alloy wheels
  • Interior enhancements – Bespoke upholstery, infotainment systems
  • Security tech – Advanced tracking systems, immobilisers

These modifications are often welcomed by specialist insurers who understand the prestige market and can tailor cover accordingly.

 

What might be excluded or require extra scrutiny

Some modifications may raise red flags or require additional underwriting:

  • DIY installations – Non-professional work can be a liability
  • Extreme performance tuning – May exceed manufacturer safety thresholds
  • Non-OEM parts – Especially if they affect safety or emissions
  • Track-only modifications – If the car is no longer road legal

A broker with experience in high-value car insurance can help navigate these grey areas and negotiate terms that reflect your car’s true value and usage.

 

How to ensure your modified supercar Is fully covered

  • Disclose everything – From minor tweaks to major overhauls
  • Get a valuation – Modified cars often exceed standard market value
  • Choose a specialist broker – One who understands prestige vehicles
  • Ask for agreed value cover – So you’re not penalised in the event of a claim

 

Why bespoke insurance matters

Mainstream insurers may not have the appetite (or the expertise) to cover modified supercars properly. A bespoke policy ensures:

  • Your modifications are recognised and valued
  • You’re not underinsured
  • You have access to specialist repairers
  • Your lifestyle and driving habits are reflected in the cover

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