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Modified Car Insurance in Northern Ireland

Tailored modified car insurance in NI at an affordable price.

How to get modified car insurance from Sterling NI

Give us a call

Our best quotes are available over the phone. We’ll do all the legwork for you in just 10 minutes; just tell us a few details about yourself and your car.

Tailor the quote to your needs

You can choose extra benefits such as breakdown cover, keycare, and windscreen cover.

Get driving

You can start driving on the day your insurance policy begins.

Modified Car Insurance for Northern Ireland Residents from just £225

Cover for your modified car

Whether you’ve fitted your car with performance-enhancing modifications or cosmetic modifications, we can help you find cover that’s suited to your needs and budget. It can be difficult to find affordable modified car insurance in Northern Ireland, especially if you’re a young driver or you’ve modded your car heavily.

Whatever your needs, we should be able to help. We offer cover in a range of circumstances, including for car shows and meets, track days, and rallies.

Why choose Sterling NI for modified car insurance?

There are a number of reasons why you should take out modified car insurance with us. This includes:

Prices start from £225

Whether you’re a young driver or you own a modified classic, we can help you find affordable car insurance. We also offer cheaper cover for those on a limited mileage policy. We compare quotes, helping you find the best deals available.

Cover for any modified vehicle, including modified classics

We are able to cover a wide range of modified cars, including classic models. Our experience as a specialist insurance broker allows us to find great deals on unusual cars. So whether you own a classic Porsche 911 or a modded Ford Escort, get a quote from us.

Free cover for cosmetic modifications valued up to £1,500

We completely understand if you want to make your car one of a kind. That’s why we offer free cover for cosmetic modifications valued up to £1,500. Please note this is subject to the policy you take out.

Includes European cover for up to 90 days

Planning a trip in your modified car? Our policies include European cover for up to 90 days – plus we can offer policies (subject to policy selection) to those who travel from Northern Ireland to the Republic of Ireland on a regular basis. We can also cover longer trips too – let us know if this is something you’d like.

Agreed value cover or like-for-like cover on modifications available

Your car is one of a kind, which is why we offer agreed value cover. We can also insure any modified vehicle on a like-for-like basis.

Optional extras for breakdown, keycare, misfuelling and windscreen cover

We have a range of optional extras that can be added to your policy if needed. This includes breakdown cover, keycare, misfuelling cover and windscreen cover. All policies come with up to £100,000 of legal protection. This helps cover out of pocket expenses if you’re in an accident that wasn’t your fault.

Flexible payment plans

We can offer monthly or annual payment plans – whatever suits you best. Plus, we offer discounts for car club members and limited mileage policies.

Which type of insurance should I get?​

Fully comprehensive

This is the highest level of protection you can get and protects you regardless of who is at fault.

Third-party, fire and theft

This covers damage to other people, their cars and their property, as well as your vehicle in the event it gets stolen or damaged by fire.

Third-party only

This will only cover damage to other people, their car, or their property in the event of an incident. This cover is the minimum level of coverage you must get.

Frequently asked questions

Will modifying my car affect insurance?

This will depend on the modifications you choose. It’s important that you declare all modifications as not doing so can affect your cover.

Is modified car insurance cheaper than standard cover?

It can be cheaper, though this will largely depend on the types of modifications you’ve added to the vehicle. Plus, if you choose a specialist insurance broker like Sterling Northern Ireland, we can help you get great deals on modified car insurance that you won’t find elsewhere.

Can you cover young drivers too?

We can cover young modified car owners – get a quote to find out how much you could save with us.

Get a quote with us!

It’s easy

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