Modified Car Insurance Quotes

Finding a good-quality modified car insurance quote at a sensible price is not easy.

If you have a modified car or modified imported car then you’ve found the right place.

Need to Insure can offer you competitive modified car insurance quotations for your specialist modified car.

We know the difference between a slightly modified car fitted with alloys, exhaust and an air filter to heavily modified car with a big BHP increase, engine transplant or major body modifications.

Our team also understand that roll cages are different to show cages.

No matter what type of modified car you drive, our team can find the right policy for you.

We compare from the leading modified car insurance companies to offer you a policy to suit your individual needs.

We can also offer quotes for Northern Ireland as well as the UK. So you can be certain your modified car insurance quote is as unique as your modified car.

We can also include the following options subject to acceptability.

Please ask for details when obtaining a modified car insurance quotation.

If you drive a modified car regardless of the modifications then talk to one of our team on 01623 720081.

Modified BMW

Imported Car Insurance

Modified Ford Escort RS Turbo S2, Insured on a MODIFIED CLASSIC CAR INSURANCE Policy

Ford RS Engine Bay

Compare your modified car insurance with Need to Insure today.

If you’re looking for competitive rates on your modified car insurance, then talk to our modified car insurance team on 01623 720081.
Need to Insure have been comparing modified car insurance with the leading insurance providers for many years, so you’re in good hands.

Ford Escort Cosworth
From Modified Cosworth insurance to Modified Evo insurance we can compare quotes for them all.

Contact us on 01623 720081 and let us compare quotes for your modified car insurance from the insurance broker who knows their modified cars.

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Need to Insure Quote Comparison

Modified Classic Car Insurance

Modified classic car insurance requires an understanding of what modifications you have done to your classic car, not just ticking a box on a website and hoping your modifications are covered.
Our modified classic car insurance cover incorporates things such as Agreed values, Limited mileage, Club member discount, Salvage retention and much more.

Need to Insure have teamed up with some major modified classic car insurers and provide a range of policies to cover the modifications you have done to your classic car. Policies can also include Track Day Cover for your modified classic if you need it.

All modified classic motor policies are underwritten by leading companies so complete piece of mind in the event of a claim, we can also offer quotes for Northern Ireland.

Laid up policies are also available to cover your pride and joy whilst off the road being modified/built.

If you love modifying your classic car you will love our modified classic car insurance quotes,

Contact Us on 01623 720081 to get your free modified classic car insurance quotation. 

BMW

Buy your Modified Classic Car Insurance with Need to Insure today.

If you’re looking for competitive rates on your modified classic car insurance, then you need to talk to our modified classic car insurance quote team on 01623 720081. Need to Insure have been placing modified classic car insurance with the leading insurance providers for many years, so you’re in good hands.

Don’t forget to mention you are a club member to receive your discount.

 

Laid up cover

Protect your modified classic project in the event of accidental damage, or fire and theft, while your vehicle is off the road being modified or over the winter period. Call 01623 720081 for a quote.

Laid Up Insurance

 

Got a Modern car that’s modified ?

Modified Car Insurance

 

 

 

Need to Insure can provide cover from leading insurers for many makes of modified or modified classic cars including, Austin, BMW, Citroen, Daimler, Fiat, Ford (inc RS, XR, ST & Cosworth), Hillman, Jaguar, Jensen, Lotus, Mercedes, MG, Mini, Morgan, Morris, Peugeot, Porsche, Renault, Reliant, Rover, Sunbeam, Triumph, Vauxhall, VW, Wolseley plus many many more please call with your requirements.

 

 

 

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Need to Insure Insurance Specialist

Subaru Impreza Insurance

Subaru Insurance

Need to Insure have been trading in the specialist vehicle market since 2002.

We are delighted to have been asked to be part of the Subaru RB5 owners club and the Subaru RB320 owners club as an officially endorsed insurance specialist.

We are also pleased to be able to offer policies for all your vehicles Modified or Standard as well as Imported and Classic versions.

RB5

 

 

 

 

 

 

 

 

Why Choose Need to Insure?

Track Day Cover can be included for your Subaru (please request at time of quotation)
Commuting and business use can be included if required. (additional cost may apply)
Agreed value policies subject to underwriting criteria
Modifications Covered (except nitrous oxide, NOS)
Single Track Day Cover policies available
Multi vehicle policies and discounts
Limited mileage policies
Special club membership discounts
Parade laps can be included with no additional cost on certain annual policies (please inform at time of quotation)

We have various insurance schemes available with different underwriters each one can be tailored to your own individual needs.

What to do next.

Please feel free to Contact Us on 01623 720081 to find out more about us and the products available.

Subaru RB320

WELL DONE to Maxxed Ross from the RB320 Forum who won the picture competition with this picture

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Need To Insure Insurance Specialists

22B JDM Wide bodied 2.2 litre special edition WRX 4 door First Impreza Turbo WRX  MY95 260 4 door WRX  220 5 door WRX  280 STi, modified from production WRX Sti RA Sti RA V Limited V-Limited Special edition Sti 2 door coupe Sti R 555  2 door Sti V6 R R V Limited  edition Sti Special edition

Sti V6 WRX RA V6 WRX RA V Limited Special edition RA Bug eye WRX UK JDM WRX Sti Type-UK Prodrive WRX Sti RA Spec C Limited WR Limited S202 Uk300 Wrx 300 WRX NB-R Blob eye  WRX V8  WRX V8 JDM Blob eye WRX Sti V8 WRX Sti V8 JDM WRX STI V-Limited JDM WRX Sti RA V8

V8 Spec C V8 Spec C Limited V8 Spec C WR LimitedWR1  Type 25 S204 Hawk eye WRX V9 WRX WRX Sti V9 UK  WRX Sti WRX Sti RA  JDM Spec C Spec C Limited  Spec C WR Limited  Spec C JDM STI Type RA-R A Line Spec D RB320 WRX  Type 20 type 25 Spec C GP Edition WRX STi A-Line  WRX STi R Concept WRX Spec C Type RA-R Hawk eye WRX Spec C Type RA 1.8GL (Turbo Version) 2.0 GL AWD  SPORT MY WAGON PPP  Terzo UK Special edition Catalunya UK Special edition RB5 UK Special edition RB320 WR Special edition McRae UK Special edition P1 UK Special edition 22B Type series McRae prodrive performance pack 

Kit Car & Replica Car Insurance

Kit Car Insurance UK

Specialist Insurance for Kit Cars

At Need to Insure, we understand that your kit car is more than just a project—it’s a passion. Whether you’ve built your car from the ground up or purchased a part-completed build, you need insurance that recognises the unique nature of kit cars. That’s where we come in.

We offer specialist kit car insurance designed to protect your pride and joy—on and off the road.

Why You Need Kit Car Insurance?

Standard car insurance often doesn’t account for the value, build process, or bespoke nature of a kit car. Our dedicated policies are tailored to meet the needs of:

  • Self-assembled and part-built kit cars

  • Classic-style replicas and performance kits

  • Low-mileage show cars

  • Road-legal and track-use vehicles

From registration with the DVLA to covering your car during the build, we’ve got you covered every step of the way.

What’s Included in Our Cover?

Our flexible kit car insurance can include:

  • Track Day Cover in association with the Association of Track Day Organisers
  • Limited Mileage Discounts – Lower premiums for low annual mileage
  • Mirrored No Claims Bonus
  • Parts Only Cover
  • Breakdown Cover
  • Laid-Up / SORN Cover – Ideal if your car is declared off-road with a Statutory Off Road Notification
  • EU Cover – Includes temporary driving in Europe

Why Choose Need to Insure?

UK-Based Specialists – We understand UK roads, laws, and the kit car community
DVLA and IVA Support – We help insure kit cars during and after Individual Vehicle Approval (IVA)
Flexible to Your Build Status – Update your policy as your build progresses
Competitive UK Pricing – High-quality protection without the high cost


Getting a Kit Car Insurance Quote

To provide an accurate quote, we’ll need details such as:

  • Your kit car make and model (e.g. Caterham, Westfield, GBS, MEV)

  • Chassis and registration status (pre-registration, SORN, IVA passed)

  • Your intended use (road, show, track days, etc.)

  • Where it’s stored and what security measures you’ve taken

  • Your age, driving history, and any previous kit car experience

 Call for a Quote – 01623 720081  – No commitment, instant cover options available.


Frequently Asked Questions

Q: Can I insure my kit car while I’m still building it?
A: Yes. Our build-up insurance gives you cover for fire, theft, and damage during the build—even before DVLA registration.

Q: What if my car isn’t registered yet?
A: No problem. We offer cover during the pre-registration and IVA stages.

Q: Are modifications and custom parts covered?
A: Absolutely. Every kit car is unique—we make sure your custom parts and upgrades are reflected in your policy.


Peace of Mind for Your Pride and Joy

From garage to road, from first bolt to final polish—we’re with you. Whether your kit car is a weekend warrior or a concours showpiece, you deserve insurance that understands what makes your build special.

📞 Call us on 01623 720081
💬 Chat with a kit car insurance expert now


Need to Insure – Proudly supporting the UK kit car community with expert advice and tailored insurance since 2002.

Kit Car
Need to Insure Insurance Quotes

Track Day Insurance

Finding insurance to cover you on track is never easy.
Need to Insure can offer you a simple solution, Call us on 01623 720081 for your Track Day Insurance quote.

Need to Insure have access to Track Day insurance policies that include cover for the following vehicle types:

Please ask about adding track cover to your policy when obtaining a quote.

We also have access to stand alone track day cover for most car types even if we don’t insure it.

All policies are underwritten by leading insurance companies.

Please click HERE for the available tracks.
If the track or club organising the event is not listed please call us with your requirements. The Nürburgring is excluded.

Track Day Insurance is available for all car types.

Need to Insure are sponsoring Ronnie Amis in Time Attack

Trackdayinsurance

Track day insurance

Ford Focus RS MK1 on a track day with insurance
Track day insurance

Modified Escort RS Turbo S2 covered with track day insurance
Track day insurance
Track day insurance
Track day insurance
Track Day Insurance
Need to Insure Insurance Specialists

Prestige Car / Supercar Car Insurance

Super Car Insurance: Protect Your Dream Ride with the Best Coverage

At Need to Insure, we understand that owning a supercar isn’t just about speed and style—it’s about a lifestyle. That’s why our Super Car Insurance Cover is specifically designed to meet the unique needs of high-performance vehicles and their discerning owners. From Lamborghini to Ferrari, Porsche to McLaren, we offer comprehensive protection that goes above and beyond standard insurance.

Prestige / Supercar car insurance isn’t just normal car insurance.

Need to Insure know that you need the right cover in place to protect your pride and joy so call us today to discuss your needs and allow us to tailor a quote around you.

We have a specialist insurance scheme designed for prestige / Supercars from the leading UK insurance companies.

If you drive a prestige supercar and need insurance, talk to the specialists at Need to Insure. No matter what type of car you drive, our team can find the right policy for you. We tailor all our policies to suit your individual needs, so you can be certain your car insurance is as unique and as special as your car.

Why Choose Our Super Car Insurance?

Your supercar deserves the highest level of protection.

We can include the following options subject to acceptability.

Please ask for details when obtaining a quotation.

 

Prestige / Supercar
Supercar Car Insurance

We also have the facility to cover your Supercar as a classic car if you have zero no claim bonus to use and you limit the mileage, for more information please click on the Modern Classic Car  Insurance box below.

Supercar Car Insurance

Please call us for details on 01623 720081 so we can compare insurance quotes for you.

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Need to Insure Insurance Specialists

Imported Car Insurance Quotes

Mention Japanese, Grey or Imported cars to some insurers and they just can’t quote you. Finding and comparing good-quality imported car insurance quote is not easy, especially if you have a high performance import or a modified import like the popular Subaru Impreza, Nissan Skyline or the Mitsubishi Evo.

Need to Insure can offer you great quotes on imported car insurance at great prices.

Competitive insurance quotations are available for all imported vehicles – whatever the make or model. We know the difference between a Mazda MX-5 and a Eunos, a Shogun and a Pajero, we also know that the Subaru Impreza and Mitsubishi Evo’s are hard to find without modifications so whether it be a modified import or standard import Need to insure will still be able to offer a competitive quote on it, we can also offer quotes for Northern Ireland as well as the UK.

We can even include the following options subject to acceptability on imported car policies.

Need to Insure – Imported Car Insurance

Imported car insurance
Imported car insurance

Just a small selection of the imported cars we can compare quotes on;
Subaru Impreza, WRX, STI, Legacy, Mitsubishi Lancer Evo, Honda CR-Z, Suzuki Swift Sport, Mitsubishi FTO, Toyota MR-S, Mazdaspeed3, Honda Civic SiR Hatchback, Mazda RX-8, Honda S600, Mitsubishi 3000GT VR-4, Toyota MR2 Turbo, Mitsubishi Eclipse, Fast and Furious Cars, Honda Civic Type R Hatchback, Toyota Corolla, Acura Integra Type R, Mazda RX-3, Honda S2000, Mazda RX-7 FD, Honda/Acura NSX, Mitsubishi Lancer Evolution, Toyota Supra, Mitsubishi 3000GT VR4, Nissan 350, Nissan 370Z, Lexus IS-F.

We even have a range of Classic Car or Modified Classic Car Insurance for imported cars as well.

Please feel free to Contact Us to find out more about us and the products available.

Insurance Specialist

Sports Car / High Performance Car Insurance

High Performance / Sports Car Insurance: Protect Your Dream Ride with Confidence

Owning a sports car is more than just having a mode of transportation—it’s a passion, a statement, and a symbol of your hard work. But with the exhilarating performance and sleek designs come higher risks. Whether you drive a high-powered Lamborghini, a track-ready Porsche, or a classic Corvette, it’s crucial to have the right insurance coverage to safeguard your prized possession.

Why You Need Specialized Sports Car Insurance

Sports cars are not like regular vehicles. They come with unique challenges when it comes to insurance, including higher repair costs, increased risk of theft, and the need for specialized parts and expertise for maintenance. Standard car insurance policies may not offer the comprehensive protection your sports car deserves.

With sports car insurance, you’ll benefit from:

  • Comprehensive Coverage: Get protection against theft, vandalism, fire, and natural disasters—important for high-value vehicles.

  • Agreed Value Coverage: With sports cars, depreciation doesn’t always apply. Agreed value insurance means you and your insurer agree on the car’s worth upfront, so you get the full value in case of a total loss. (Subject to underwriting criteria)

  • Higher Repair Limits: Sports cars often require specialized repair services and parts that can be expensive. Your policy should cover these higher costs.

  • Track Day Coverage: Some sports car enthusiasts like to take their cars to the track. A specialized policy can provide coverage for these high-performance driving activities, which traditional policies typically exclude.

Tailored Insurance for Your High Performance Sports Car

Every sports car is different, and so are the needs of their owners. That’s why we offer flexible, customizable insurance packages designed to suit your specific situation. From comprehensive coverage to liability protection, we can tailor your policy to meet your driving habits and budget.

Finding good-quality insurance cover for a sports car at a sensible price is not easy, especially so if you have a sports car which is modified or you plan to modify.

Need to Insure can offer you competitive insurance quotations for Standard or Modified sports cars.

If you drive a sports car and need insurance, talk to the specialists at Need to Insure. No matter what make of performance sports car you drive our team can find the right insurance policy for you. We compare all our quotes to suit your individual needs, so you can be certain your car insurance is as unique as your car.

We can even include the following options subject to acceptability.

Please ask for details when obtaining a quotation.

White Porche GT3RS

Performance / Sports Car Insurance

Just a small selection of the cars we can compare quotes on;
Porsche, Lamborghini, Bugatti, Ferrari, Jaguar, Mercedes AMG, Aston Martin, Subaru, Audi TT / R8, Maserati, Nissan GTR Skyline, McLaren, Ford Mustang GT / RS, Dodge Viper, Alfa Romeo, Chevrolet Corvette, BMW M Series, Honda NSX / Type R, plus many more…

sports car insurance
Call us for a tailored performance sports car insurance quote on 01623 720081.

Specialist Insurance

High Performance Car & Sports Car Insurance

Have you called an insurance company and they don’t know the performance car you drive?
Do they know the difference between a BMW M3 or Z3, a Ferrari 360 or a 430?

Our car insurance specialists know the difference! We are specialists in high performance car insurance and have a passion for the cars you drive – please contact us for a cheap high performance car insurance quote.

Our specialist performance car team have a wealth of experience in this area. Our attention to detail and ability to supply you with the best possible quote suited to your particular needs ensures we provide insurance quotes at the most competitive price.

We are sure that you will be delighted with the service and support you receive from Need to Insure. Most of our existing clients have been using us for their specialist insurance for many years and are happy to recommend us to a friend or colleague who requires a performance car insurance quote. We are proud to be able to offer high performance car insurance quotes specifically designed to cater for all makes of high performance cars giving you peace of mind in knowing that your pride and joy has the right insurance cover.

Do you own an older performance car?. talk to us about our classic performance car insurance scheme this could save you money.

Do you do track days?
Ask us to quote you to include Track Day Cover, Track days must be ran in association with the Association of Track Day Organisers

Is your performance car modified?
We can compare insurance quotes for modified performance cars as well.

Audi performance car insurance

Specialist Insurance Cover