Enthusiast Motor Insurance

Insurance Cover for
Modified Cars

Insurance Cover for Modified Cars

100k+

Listed vehicles to select from

We can cover nearly every make and model no matter what year

75k+

Policies sold

Customers have trusted us to cover their vehicles year on year

$5m+

Claims paid in 2022

Tailored coverage so you can have peace of mind if an accident happens

12+ yrs

Providing cover since 2011

Our Australian team has over 150 years of combined motor insurance experience

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

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.

Image: Holden VL Commodore

Do you own a Modified Car?

Protect what’s important to you with Enthusiast Motor insurance because when you drive less, you spend less. 

Do you own a modified car?

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.

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.

Enthusiams from Our Happy Customers

Enjoy the drive

Leave the insurance to us

We offer affordable, comprehensive insurance for all types of vehicles from Show Cars, Modified Cars, Laid Up Vehicles, Conditional, Imported and Classic Cars.

Enthusiams from Our Happy Customers

3-rotor 20B Datsun Ute

Frequently Asked Questions

As Enthusiasts, we know that some vehicles weren’t perfect when rolling off the factory floor. For that reason, we have made sure these modified vehicles still get the coverage they deserve. Our modified cover requires policyholders to disclose all modifications to their vehicles in order to be covered under the policy. Any modification to the covered vehicles is required to comply with the Australian Design Rules (ADRs) and/or the Australian Vehicle Standards Rules (AVSR). This includes any in-service requirements of the AVSR and compliance with the equivalent regulations of a State or Territory of Australia. 

We know our clients care about their vehicles and wouldn’t hand the keys to someone they don’t trust. For that reason, we can provide lower pricing to our customers by only covering nominated drivers on the policy. You will need to nominate every driver of your vehicle for your vehicle to be covered whilst they are driving. If a driver of the vehicle has an accident and they aren’t nominated or named on the policy, then we won’t cover the accident.

This benefit that allows you to choose to keep the salvage of your total loss vehicle. In the case of a total loss, you will be able to take any parts off that vehicle you desire. This will however, require you to collect the vehicle from the holding location and dispose of any unwanted parts yourself at your own expense. This benefit with Enthusiast can either be a automatic or an optional extra, depending on your vehicle’s age. Please see the Policy Disclosure Statement for more information.

Our in-house Australian-based claims team will be on-hand to handle any claim you have with us. They can handle all your claims enquiries via phone or email and are available Monday to Friday between 9am-5pm AEST. Additionally, you can download a claims form from the website at any time to start your claim process.

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.