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Custom & Modded Car & Motorbike Insurance
Frequently Asked Questions
Custom and modded cars and motorbikes need expert insurance advice to ensure you’re covered if you have to make a claim.
This is the second page of answers to some frequently asked questions.
Do you offer ‘agreed value’ insurance?
Yes we do. This is where one of our panel of insurers will agree a value for your car or motorbike, including the customisations or modifications. However, there are terms and conditions and this might not be available to all customers.
What is required to agree the value of my Custom Car?
We require six colour photos of the vehicle showing the front, back, 2 sides, interior and engine bay. Please note we do not accept polaroids. We also require a valuation form to be completed by yourself and returned with the photos. These can either be posted to us or emailed to agreedvalue@PremiumChoice.co.uk
This is not compulsory but we recommend this for all custom car policies. We do not charge for agreed value and once the value has been agreed we will send you an agreed value certificate.
Can I add other vehicles to my policy?As long as the other vehicle is also a custom car we can add it to your policy.
Do I get a discount for being a Club Member?
If you’re a member of a recognised custom or modded car or bike club, we can offer a 15% discount on proof of membership. To an insurer this means a specialist car or bike club where you exchange ideas with other members to keep your vehicle in the best possible shape.
Do you offer additional cover options like rallies or track days?
We can. All you have to do is call us and we can discuss the options available to you.
Is my car covered if I go abroad?
If you require insurance cover for the EU we can provide this for a period of up to 90 days, depending upon individual circumstances.
Can I get limited mileage discounts, or other discounts?
Custom and modified vehicles are a major speciality at Premium Choice. We pride ourselves on getting you every available discount we can. We deal with a panel of underwriters who specialise in cars and bikes that have been customised or modded. This means much cheaper quotes than the ‘mass market’ insurers, whilst giving you the particular cover you need.
So what other discounts might be available?
Garage discounts: Keeping your car or bike in a garage overnight and in a secure area during the daytime can make your insurance cheaper.
Additional security: Some modifications can help you get cheaper insurance. For example you could add an insurer-recommended alarm, immobilisers and tracking devices. For more information please visit our car insurance and security page.
Are there any age limits for drivers / riders of modded cars and motorbikes?
This varies from insurer to insurer. The older you are, the easier it gets. Younger drivers can often find that quotes for modded and custom vehicles are more expensive than they think is reasonable. That’s one of the reasons that Premium Choice is here. We have established relationships with underwriters who understand people like you and who will take a view based on the individual circumstances.
If you have any more questions about custom or modded cars or motorbikes, please call us (or ask us to ‘call you back’). We work hard to get you the cheapest insurance we can using all of our experience.
These FAQs for custom and modded car and bike owners are spread over two pages :-
Custom and Modded Insurance FAQs - Page Two (you’re on this page)
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