Prestige Car Insurance > Services > Modified Car Insurance

Modified Car Insurance

For car people. Declare your mods and get cover designed for real builds.

Prestige car insurance service details

About Modified Car Insurance

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.

1. Modification Schedules

Itemised mod lists attached to your policy so every upgrade is accounted for.

2. Agreed Value for Upgrades

Your build’s total value — base car plus modifications — locked in with agreed value cover.

3. Accessory Coverage

Aftermarket accessories and bolt-ons covered as part of the vehicle’s insured value.

4. Specialist Assessment

Access to assessors who understand modified vehicles and won’t undervalue your work.

Agreed value prestige car insurance cover

Our Technicians believe in the value that give you high level of coaching techniques for your better life.

  • Full modification declaration
  • Agreed value including all upgrades
  • Specialist modification assessors
  • Aftermarket accessory coverage

Service Benefits

On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment.

  • Insurance that covers your modifications properly when declared
  • Specialist brokers who understand the modified car scene

What You’ll Need to Provide

Insure My Build

Our Services

Prestige Car Insurance

Specialist cover for prestige vehicles

Contact Us (03) 9018 6345

Modified car insurance that recognises your build

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 guide.

Get a quote

Let's tailor cover for the car you actually own.

Start your prestige quote
Or speak to a specialist — (03) 9018 6345