Whatever your age, budgeting for a car and it’s outgoings can be an expensive task. Modified car insurance is no exception to this worry, if anything, it puts more strain on buying the insurance. However, luckily for you our good friends at Performance Direct Insurance have compiled a list of top tips to stick to, helping to save you time and some of your well earned money.
Top Tip One – Use a Specialist Broker
Use a dependable, specialist modified car insurer. They are experts in their field and will give you the correct cover that you need. Knowledgeable modified insurance experts, like Performance Direct, can save you a lot of time and money, as they will do the hard work for you. Check out www.performancedirect.co.uk//modified-car-insurance/ for suitable yet cheap policies that suit you.
Top Tip Two – Be Honest
Honesty really is the best policy when it comes to modified car insurance. If you do not declare any modifications and changes that your vehicle has, then it is a large possibility that your insurance will be void if you should ever need to make a claim. Performance Direct state that ‘any car that has additions or alterations to its standard factory specification is what the insurance industry calls a ‘non-standard’ or modified vehicle.’
If you are doubting whether or not your alloy wheels are a modification then ask, it is better to be safe than sorry!
Top Tip Three – Type Of Cover
Think. It is as simple as that. If you are paying through the roof for your premium and the cost is near enough (if not more than) the actual car you drive, then think about the type and level of insurance you are paying for. A fully comprehensive insurance policy all sounds good but is it actually necessary? Try searching for third party, fire and theft and compare, it might save you a few pennies.
Top Tip Four – Pass Plus
For new and younger drivers a pass plus qualification can often lead to discounts and lower insurance. The pass plus shows insurers that you have more driving experience and can be trusted in different situations.
Top Tip Five – Safe Storage
Keeping your modified car in a safe, sheltered place, such as a garage, will increase its security and lower your premium. Insurers will like the fact that it is hidden and secure when not being used.
Top Tip Six – 2nd Car?
A number of modified car owners will also have another car that they use generally. If you fall into this category you may able to take advantage of a second car policy. Most insurers will offer this and it should help to bring the cost of the insurance on the modded car down.
Give us a call on 0844 573 3567 and talk to a specialist advisor or check out Performance Direct at http://www.performancedirect.co.uk/modified-car-insurance/ for any further information.