Enthusiast Motor Insurance

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Insurance Cover for
Modified Cars

  • Agreed value policy
  • Choice of Repairer
  • We cover modifications
Get a quote

Insurance Cover for
Modified Cars

  • We cover modifications
  • Agreed value policy
  • Choice of repairer
Get a quote

PROVEN TRACK RECORD

car
0 K+

listed vehicles

We cover just about every make, model, and year

policies.svg
0 K+

policies sold

Enthusiasts like you trust us to look after them.

claims.svg
$ 0 M+

claims paid last year

So if you get in a ding, you know who to ring

calender.svg
2024
providing unique cover ever since

Based here, only with expert Australian staff

0 K+

listed

vehicles

We cover just about every make, model, and year

0 K+

policies

sold

Enthusiasts like you trust us to look after them

$ 0 M+

claims paid

last year

So if you get in a ding, you know who to ring

2024

providing unique

cover ever since

Based here, only with expert Australian staff

We offer affordable, comprehensive insurance for all types of modified vehicles.

Holden VL Commodore
Image: Holden VL Commodore

You can hear it in the voices of car owners who attempt to complete an online quote. They have been foiled by an ominous message popping onto the screen. Usually, it will read something like; ‘Your Vehicle Does Not Meet Underwriting Requirements, Please Contact The Insurance Council’ and translate into ‘We Don’t Want Your Hot-Rod Here’.

If the company you contact next about insuring your Modified vehicle is Enthusiast, there really is no cause for these nerves. We know a lot about Modified cars, some of our staff have owned and built them and we know what it takes to insure them.

The values of modified vehicles can be difficult to determine but that is why Enthusiast employs experienced staff who can draw upon decades of collective experience to realistically value almost any modified model.

Do you own a modified car?

Get a quote online in just minutes.

Get a quote
6.0-litre LS-swapped Mazda RX-8

Choice of repairer

Our customers can decide where their car is repaired
Image: 6.0-litre LS-swapped Mazda RX-8

Agreed value policies

Peace of mind - you know what your car is valued at in the event of a loss
Image: 370Z Nismo

Got a modified vehicle?

We know a lot about Modified cars, some of our staff have owned and built them and we know what it takes to insure them.

Get a quote

Your choice of repairer

At Enthusiast, we recognise the dedication behind every modified vehicle owner.

In the unfortunate event of a claim, we allow you to use your own trusted repairer, or we can connect you to one of our trusted repairers.

Enjoy the road, knowing that Enthusiast has your unique vehicle covered!

Image: 6.0-litre LS-swapped Mazda RX-8

6.0-litre LS-swapped Mazda RX-8

What is your vehicle's value?

We take pride in being a preferred choice for specialised motor insurance, offering tailored coverage for your distinctive cars. Together, we’ll establish a mutually agreed value, considering your modifications and unique features. This agreed value is crucial for custom or rare models, which can be worth above and beyond standard vehicles.

Drive with confidence, knowing that our tailored coverage backs your one-of-a-kind vehicle.

Image: 370Z Nismo

Got a modified vehicle?

We stand out from the crowd, proudly offering tailored coverage for your unique rides, modified vehicles, agreed value, choice of repairer, and salvage rights options.

At Enthusiast, we know how deeply you care and how you feel about your modified vehicles.

Drive with peace of mind, knowing your modified vehicle is covered with us.

Frequently Asked Questions

You’ve got questions. Fire away, we love talking about all kinds of vehicles. But first these are questions we get all the time. For more information, please refer to our PDS.

3-rotor 20B Datsun Ute
How does a nominated driver policy work?
We know you trust the people you let drive your vehicles. That’s why our Declared Driver policy only covers the approved people who’ll get behind the wheel. It gives you a greater peace of mind and a better price.
Will we insure a modified vehicle?
Enthusiasts make everything better. So we make sure modified vehicles still get the coverage they deserve. To be covered, simply disclose all the modifications you’ve made. If they meet Australian Design Rules (ADRs) and/or the Australian Vehicle Standards Rules (AVSR) of your State or Territory of Australia, then we’re all good!
What are salvage rights?
If it’s a total loss, and it’s that precious to you, you don’t have to lose everything. If it’s over 30 years old, salvage rights are automatically included in your policy. If your vehicle is 15 years old or more, the choice is yours – salvage rights are optional. Check out the exact details in the Policy Disclosure Statement.
Who’ll handle my claim?
Real people, real Australian’s, real motor enthusiasts. They can handle any issues or claims claims via phone or email. They’re on-call Monday to Friday between 9am-5pm AEST. Or if you’re into DIY, download a claims form from our website and off you go.

Our Customers

Giuseppe

“Enthusiasts are my choice of insurer, doing business with people who live, breath and love classic cars. There passion echoes through there service and professionalism.”

Terry

“Being one of your happy clients, I had weighed up that R-I-S-K goes both ways. I, as a client, had researched the ‘balance’ between benefits and potential difficulties.”

Himmy

“I have my entire car collection insured with the great team at Enthusiast and really love that my calls always get answered quickly and I’m given the best rates from people who know about the special vehicles I own.”

Giuseppe

“Enthusiasts are my choice of insurer, doing business with people who live, breath and love classic cars. There passion echoes through there service and professionalism.”

Terry

“Being one of your happy clients, I had weighed up that R-I-S-K goes both ways. I, as a client, had researched the ‘balance’ between benefits and potential difficulties.”

Himmy

“I have my entire car collection insured with the great team at Enthusiast and really love that my calls always get answered quickly and I’m given the best rates from people who know about the special vehicles I own.”

Talk to someone who gets
you and your car

Call a fellow enthusiast on 1800 10 10 44
Email us motor@enthusiast.com.au

Get a quote

PLEASE NOTE:

We will cover Modifications which you have listed in your Schedule or given us details of in writing, and which we have accepted.

Enthusiast Underwriting Pty Ltd ABN 35 142 206 746; AFS Licence No. 396716 has designed this insurance product for the specific needs of motoring enthusiasts throughout Australia. This insurance is issued by Assetinsure Pty Limited (ABN 65 066463 803) and is subject to underwriting acceptance criteria. Assetinsure is licensed by APRA in Australia. Assetinsure has granted Enthusiast a Binding Authority to market, underwrite, bind cover and manage this policy. Enthusiast Underwriting Pty Ltd acts as an Underwriting Agent on behalf of Assetinsure and not as your agent. To decide if it is right for you, please carefully read our Product Disclosure Statement before you make any decision. You can obtain it from Enthusiast Motor Insurance by calling 1800 10 10 44.