Prestige Car Insurance / Services / Modified Car Insurance
For car people. Declare your mods and get cover designed for real builds.
Cover designed for real builds. Whether you’ve fitted wheels and coilovers, a turbo upgrade, a body kit, big brakes, or a full ECU retune — we work with insurers who understand modifications and will cover them properly when declared.
The key is full disclosure. Declare everything, provide receipts and photos where possible, and we’ll find a policy that reflects the true value of your vehicle including all upgrades.
Cover for real builds — modification schedules, agreed value for upgrades, and specialist assessment.
Itemised mod lists attached to your policy so every upgrade is accounted for.
Your build’s total value — base car plus modifications — locked in with agreed value cover.
Aftermarket accessories and bolt-ons covered as part of the vehicle’s insured value.
Access to assessors who understand modified vehicles and won’t undervalue your work.
What's included
Standard policies often ignore — or even decline — modifications, leaving the money you’ve invested in performance, suspension, wheels and cosmetic work uninsured. Our modified car insurance is arranged to record and value your specific build, so agreed value reflects the car you actually own rather than a factory-standard equivalent.
Declaring modifications properly keeps your cover valid and your claims straightforward. For background on disclosure and why accurate information matters at claim time, see ASIC’s guide to MoneySmart car insurance.
Prestige Car Insurance
