Enthusiast Motor Insurance

Insurance Cover for
Modified Cars

Insurance Cover for
Modified Cars

PROVEN TRACK RECORD

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

Home » What do we Insure? » Modified cars

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

Holden VL Commodore
Image: Holden VL Calais

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.

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.

Our Customers

Talk to someone who gets
you and your car

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

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.