Modified Car Insurance:
Insurance with Nitrous Oxide Injection and other modified Cars and
Modified Car or Bike Insurance, and
insuring with Nitrous Oxide Injection.
OK how do you go about
insuring your modified car? What about that newly fitted
Nitrous Kit? Or the V8 you accidentally fitted while you
were not concentrating?
On the face of it its
difficult! But let me tell you a story... Elsewhere on
this site there is a picture of the engine bay of my old
Ford Sierra 1.6L car with a Rover V8 fitted with Nitrous
me LESS to insure than it did when it was a stock 1.6L car!
Much to my surprise!
How come??? You may well ask! Well it's like this.
There are lots of options when you insure a car...
First be prepared to do
a LOT of
research and ask people who already run modified
vehicles. Ask at Custom Car Shows, ask at the Drag Strip
ETC. They all manage somehow.
I rang Adrian
Flux - a company that was started by a bunch of Hot Rodders
and Custom car freaks or so I was told! They all had the same
problems, their "normal" car insurers would fall off the
phone laughing or hang up! Mine did too...
AND they cancelled my
existing policy from that moment. Adrian Flux
insurance charged me
LESS money than the other big major insurance companies
did for a standard car!
I am not trying to get you to call them and have nothing
whatsoever to do with them, just giving an example of
companies that are good on price in certain narrow "niches".
In the case of Custom Cars, they were very cheap.
realized that far from being more likely to claim, they were
more likely to do extremely low mileage, in good summer
weather, and drive very carefully! So would you if you
had a one off home built show car that took you thousands of
hours work! And they would also be less
likely to be stolen, by their very nature and because most
lived in heated carpeted garages! So they could insure these
Custom vehicles very cheaply.
I agreed to, a low annual
mileage, high excess, garaged at night, and I did not tell
them initially about the Nitrous system. They only needed a
good description and a photograph and I was covered. For
less than £200 third party fire and theft (in 1995?? I
forget)... Later on I told them I had fitted Nitrous and
they simply made a note of it. No price changes. This they
"saw" as a custom car and so they insured it as one.
If you however took a boy racers "hotted up" front
wheel drive hatchback
(neons, alloys, K & N Filter, HUGE exhaust, young driver
etc) then they would undoubtedly add in the date too! This
car is LIKELY to be abused, driven in all weather, driven
fast, stolen, left parked in the street, So the
insurance company, ANY insurance company has to charge
enough to cover all the claims!
So if you fit
Nitrous to one of these (boy racer cars) then its best to do a
LOT of research first! There
ARE insurance companies
that will cover you, since you are doing nothing wrong
regarding the law, but they are small, hard to find, and
will cost you more. Remember half a day and £20 worth of
phone calls is well worth while, because it can save you
You could I suppose fit a
nitrous system, but not connect up the bottle while using
the car on the public highway, and use it ONLY on the drag
strip, or racetrack. Or you MAY if you are lucky find your
existing insurance company either does not care, or charges only a little
extra. Some add a percentage related to the power increase
however it is obtained.
This modified car lark also includes such things as wheels,
or ANY non standard part. And how many of you bother to tell
the insurance about these other mods? Well you should! Its
exactly the same thing!
Other options include motor
trader policies that allow you to drive any car, and other
variations on this theme.
I also used to have a
"unlimited" rider policy (Covered any bike of any capacity
specific details required) - this allowed me to ride a two
stage nitrous injected 1135cc Turbo bike, for the same price
as a big touring bike. About the only
part on this bike that was not modded was the frame. They don't do these
Norwich Union Rider Policies now unfortunately... Then there is the old "can drive any
other car not belonging to you" line in most insurance
But whatever you do, don't use
Nitrous on the street without proper cover! Its not
impossible to get cover, but it may involve a little work to
find the best option. Without telling your insurance
company, you are technically not covered! If you had an
accident, and the assessor from the insurance company saw it
he would probably void your insurance! Just as he could with
wheels, or any undisclosed modifications.
It may help to read the forums
which are quite busy. Lots of guys on that forum have cover
with companies as like Direct Line, and other common names.
But normally they will tell you no! Just insist on speaking
to someone that knows a bit more than the phone line or
websites email "front line" of sales people. Trevor at HighPower has an agreement
with one big Insurance company broker (actually Adrian Flux
Insurance) to cover cars that have his
Nitrous Injection fitted. The same company may cover you
too? They did cover me for 7 years...
results for insurance and ring them all - there
are hundreds to try! If the first few Car Insurers refuse
you, or quote daft prices, then keep going! The biggest,
that advertise the most such as Churchill, Direct Line, etc,
are probably going to be the most expensive here, and the
small specialist (and hard to find) companies much cheaper
and less likely to be stressed out by modifications. The big
ones seem only to cater for "normal" cars on their computer
If anyone has any cover that is
reading this page could you please send
details so I can build a database of companies and vehicle
specs, area, policy detail, and prices? Its for your own
good! -- Please do it!
A short list of possible insurers!
Admiral 0800 600 800
Adrian Flux 01553 777 240
AON 01384 552 670
A-Plan 0845 071 123
AXA 0800 015 4292
Bell Direct 0800 140 180
Bennetts 0990 202090
Bugdet 0800 028 9044
Catterall 01254 695 055
Churchill 0800 200 331
Cis 08457 464646
CoverSure (RallySure) 01829 733 880
Crowthorne Insurance 01344 771626
Direct Line 0845 246 8701
Elephant 0870 6080668
Endsleigh 0800 028 3571
Footman 0121 651 6250
Graham Sykes 0870 444 6319
Greenlight 01277 263 030
HIC - 08451 290 290
Hill House Hamond 01733 310899
Keith Michaels 0181 642 7868
Liverpool Victoria 0800 514 514
More Than 0800 072 4186
Motor Quote Direct 0800 48 44 33
Nash Warren 0121 561 4484
Norwich Union 0870 242 0800
Peart 0870 240 2972
Peoples Choice 0800 614 824
Performance Direct 08704 203896
Privilege Insurance 0113 292 5555
Quinn Direct 0845 850 0845
QuoteLine Direct 0870 444 0870
RAC 0845 3000 755
Sainsburys 0800 032 0000
Tesco 0845 300 9900
The AA 0870 606 0483
Hastings Direct 0800 00 1066
Esure 0845 603 7873
Halifax 0845 608 9913
Eagle Star 08459 45 45 67
Lloyds TSB 0800 056 3040
Screen Trade 0800 435 207
Its4me 0870 0131 464
The Insurance Centre 0709 2511050
Quote-A-Car 08707 709075