Classic car insurance and modified car insurance are often confused — both cover non-standard vehicles and both use specialist insurers. But they are fundamentally different products designed for different types of car and different types of owner. Using the wrong product can mean your claim is rejected, your policy is void, or you’re paying for cover you can’t actually use.

The Core Difference

Classic car insurance is designed for vehicles that are preserved in or restored to original condition. Modifications are generally excluded or restricted — the insurer is covering a car for what it was, not what it’s been changed into.

Modified car insurance is designed for vehicles that have been altered from factory specification for performance, aesthetics, or both. The modifications are the reason you need the specialist cover.

Comparing the Key Features

Which Do You Need for a Restomod?

Restomods — classic bodies with modern drivetrains and suspension — sit in a grey area. They are classic in appearance but modified in specification. The right policy depends on which element is more significant. A 1969 Camaro with a 1,000hp LS7 on coilovers needs a modified car policy, not a classic car policy. A 1967 Mustang with a period-correct restoration and a mild cam upgrade may suit a classic car policy with a modification endorsement.

Can You Switch Between Products?

Yes — if your car’s specification changes significantly (e.g., you engine-swap a classic car), you should switch to a modified car policy. Continuing on a classic car policy after significant modification can void cover. Contact your insurer before undertaking major work.

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