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Modified for Maximum Speed: Customizing Your Car - Fuel Car

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Are you looking to get the most out of your car? Do you want to modify it for maximum speed and performance? If so, then this guide is for you. This guide is

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If you're thinking of modifying your car - perhaps with a new exhaust or tinted windows - you'll want to be confident the modifications you choose are going to be safe and legal. But when we surveyed the public on car modifications, we realised there's still a lot of confusion around which mods are legal and which aren't.

Here the modified and custom car experts at Adrian Flux shed some light on car modifications, identifying which ones are legal and which may land you in trouble with the police.

What are car modifications?

Modifications are alterations, new equipment and fittings that change the specification of a car from what was originally fitted by the manufacturer. Most people modify their cars to improve the way they look, but some modifications - such as upgraded brakes or ECU chipping - are designed to improve the vehicle's performance and handling. Read our blog to find out more about car modifications in 2022.

Which car modifications are legal?

There are a lot of rules governing the changes you can legally make to a car in the UK, so you should research the adaptations you are planning to make to ensure your car remains road legal. Note that any obvious car modification could attract extra attention from the police, so you might have to expect more frequent inconvenient stops.

Before you start, make sure to read our blog on how to avoid common dangers and pitfalls involved with modifying your car.

Here, we've explored the legality of some of the most common car modifications.

Alloy wheels

Alloy wheels are the most popular car modification and probably the easiest job to do. Alloys are perfectly legal.

Read our blog to learn about the top 10 car modifications to personalise your wheels.

Engine swapping

This is when you replace a car's original engine with another, mainly for performance reasons or to get an old car back on the road when its engine has failed.

There are two types of engine swap: a like-for-like exchange where the replacement engine is built to fit in a certain car, and a non-factory-specific swap which will mean you need to make modifications to get the new engine to fit and work.

An engine swap is legal, but you will need to let your insurer and the DVSA know.

Tinted windows

It's perfectly legal to modify your car with tinted windows. Many cars have tints as standard, so they can be a nice addition - provided they aren't too dark and they're not added to the wrong windows.

There are restrictions on the type of tints you can legally add to the front windows and windscreen. A minimum of 70% light must be able to get through the front side windows, and this rises to 75% for the windscreen. For vehicles first used before 1st April 1985, both the front windscreen and front side windows must let at least 70% of light through.

This law is in place to maintain visibility and ensure your view isn't obscured. There are no restrictions on the tinting of rear windows.

When buying window tints, make sure they're from a reputable dealer and are legal for the windows you want to tint.

Disability adaptations

Some people need to modify their cars to help them drive because they have a disability or someone with a disability needs to be carried as a passenger.

Disability adaptations are perfectly legal. Read our blog to find out about car modifications for disabled drivers through the ages.

Air filters

People looking to get more power out of their car's engine often upgrade their air filter. It's a fairly simple mod that usually only takes a couple of minutes and you will see an instant improvement in performance.

This is because aftermarket filters are usually larger than factory fitted ones so they increase the airflow into the engine and increase power delivery.

The replacement air filter may be a little more noisy but it is quite legal, unless it is so noisy that it's deemed a nuisance.

Non-standard paintwork

A respray is a quick way to customise a vehicle. An alternative is car wrapping, which is a printed vinyl film applied to the surface of the car. You can respray or wrap your car legally, but if you change the colour from that which is recorded on your V5C logbook, you will have to notify the DVLA as well as your insurer.

Lowered suspension

You won't be breaking the law if your car's suspension is lowered properly. However, if changes to the suspension aren't done properly, your car could fail its MOT. Ensure the work is done by a professional. If you're doing the work yourself, get a professional to check it on completion.

A car sitting closer to the ground will have other implications for you and your car, which may impact the way you drive:

Reduced ground clearance - speed bumps, potholes and kerbs can become an issue if you lower the suspension.

Altered car handling - dropping the suspension affects how the car handles, so you may need to adjust your driving style.

Exhaust modifications

Large bore exhausts are designed and fitted to make a car louder so it sounds like it has a high-performance engine. The laws around exhaust modifications are complicated as they depend on your vehicle category. As a general rule, most exhaust modifications are legal as long as they don't make the vehicle louder than its type approval allows.

Drivers who don't comply with these rules can receive an on-the-spot fine of £50 and an official order to remove it. If you don't comply, the penalties can increase rapidly.

Sound system upgrades

Many young drivers add upgraded sound systems to their cars, with boot space being sacrificed to house subwoofers and other equipment.

It's not illegal to add aftermarket sound systems to your car, but you could be in trouble if someone complains that your loud music is a public nuisance. The police can seize any vehicle causing a noise-related public disturbance.

Spoilers

Spoilers are available for most types of cars and are designed to give a sporty look while, in theory, improving the car's handling and performance.

It isn't illegal to mount a spoiler on your car, but there are conditions. The spoiler needs to be securely fixed, with no sharp or dangerous edges exposed and it shouldn't obscure your rear view.

The police have the right to order you to remove a spoiler if they think it might be dangerous.

Neon lights

It is legal to add neon lights to the bottom of a car provided the neon tubing is not visible to anyone standing outside the car. There are also restrictions on the colours that can be used, but this depends on the position of the neon lights on the vehicle.

Nitrous oxide conversion

There is no law in the Highway Code or MOT handbook that prohibits the use of nitrous oxide, but it can be dangerous if done incorrectly. Adding nitrous oxide to your engine increases acceleration but it also increases cylinder pressure. If the engine can't handle the increased stress, it may be damaged.

The engine can also be damaged when there's too much oxygen and not enough fuel in the engine. The incorrect ratio and added cylinder pressure could cause the engine to explode.

LPG conversions

LPG is liquefied petroleum gas and is a versatile low-carbon fuel that can be used to power the engine of most cars. You will have to fit a conversion kit which will turn your vehicle into a 'dual-fuel car' that can run on LPG and petrol.

The LPG conversion is legal and it could save you a lot of money with ever-escalating costs of diesel and petrol.

Can you legally modify a car bought with a PCP or on finance?

Around 8 out of 10 new cars are bought on finance, and most of these are bought through a personal contract purchase (PCP).

With a PCP contract, you don't own the car, so making significant changes will put you in breach of your contract. In some cases, finance companies may seek to reacquire the car early if the modifications have altered the retail price.

If you want to modify a car bought on finance, you will need to get written permission from the finance provider. Changes can be made, but not beyond those permitted by the finance company.

Where can I find sensible insurance for my modified car?

Adrian Flux is a specialist modified car insurance broker that takes pride in insuring the "uninsurable". We realise that if you've spent time and money modifying your wheels, you're probably going to take extra special care of it, making you less of a risk so your mods won't necessarily impact the cost of your insurance. In some cases, they could even lower your premiums. This is often the case when you fit a dashcam, a towbar, or parking sensors.

Find out more about the huge car insurance savings that can be made by declaring modifications on your car.

For a swift and sensible quote call 0333 300 4445. 81.5% of all customers receiving an online quote in August 2022 could have obtained a cheaper quote over the phone, based on the information they provided.

You can also book a callback to talk to one of our modified car insurance experts at a time that suits you.

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Which car modifications are legal in the UK?

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Toying with the idea of modifying your car? Find out which car modifications are legal in the UK.

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Car modification is an exciting world of creative expression and performance enhancement, but amidst the thrills of customizing your ride, it's crucial to prioritize safety. Whether you're adding power under the hood, improving handling, or enhancing the aesthetics, here are some essential safety considerations to keep in mind when embarking on your car modding journey.

1. Know the Regulations: Before you dive into any car modification project, take the time to research and understand the local and national regulations that govern vehicle modifications. Each jurisdiction may have its own rules and requirements regarding aspects such as exhaust noise levels, vehicle ride height, window tinting, and lighting. Complying with these regulations is not only a legal obligation but also essential for road safety.

2. Keep Critical Systems Intact: When modifying your car, ensure that critical safety systems remain unaffected. Components such as airbags, ABS (Anti-lock Braking System), stability control, and traction control are designed to keep you safe on the road. Tampering with or disabling these systems can compromise your vehicle's safety in various driving conditions.

3. Invest in Quality Parts: Opt for high-quality aftermarket parts and components from reputable manufacturers. Inferior or poorly designed parts can lead to system failures, reduced reliability, and even accidents. Be cautious of counterfeit or substandard products that may not meet safety standards.

4. Proper Installation: Even the best parts can be rendered unsafe if they are not installed correctly. Ensure that modifications are carried out by experienced professionals who understand the intricacies of your vehicle and the specific modifications being performed. Sloppy installations can lead to dangerous situations on the road.

5. Regular Maintenance: Car mods, just like any other part of your vehicle, require regular maintenance and inspections. Pay attention to the condition of your modified components and make necessary adjustments or repairs as needed. Neglecting maintenance can lead to safety issues down the road.

6. Tire Safety: Upgrading your wheels and tires can significantly impact your vehicle's handling and performance. Ensure that the new tires are the correct size and have an appropriate load and speed rating for your vehicle. Proper tire maintenance, including regular rotation and alignment checks, is vital for safety and optimal performance.

7. Test and Tune: After making significant modifications, it's essential to thoroughly test and fine-tune your vehicle. Pay attention to how it handles, accelerates, and brakes. If you notice any unexpected behavior or instability, consult with professionals to make the necessary adjustments.

8. Be Mindful of Weight: Adding heavy modifications, such as roll cages or heavy-duty sound systems, can alter your vehicle's weight distribution and handling characteristics. Understand how these changes affect your car's performance and take them into account when driving.

In conclusion, car modding is an exciting and creative pursuit, but it must be approached with a strong commitment to safety. Responsible car modification ensures that you not only enjoy the fruits of your labor but also arrive at your destination safely. Prioritize adherence to regulations, the preservation of critical safety systems, and the use of high-quality parts to ensure that your custom ride is not only impressive but also secure on the road. Remember, safety should always be the first consideration when making modifications to your vehicle.

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Safety First: Navigating the Road of Car Mods Responsibly

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Car modification is an exciting world of creative expression and performance enhancement, but amidst the thrills of customizing your ride, it's crucial to prioritize safety. Whether you're adding power under the hood, improving handling, or enhancing the aesthetics, here are some essential safety considerations to keep

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Depending on the type of modification, the type of car insurance you have (for example, temporary car insurance , learner driver insurance , third-party or comprehensive), and your insurance company, modifications to your car can increase or decrease your insurance premium.
What Counts As A Car Modification?
A car modification replaces an existing part with a piece that did not come with the original manufacturer, which changes the appearance or performance of the vehicle.

Depending on what you do, car modifications affect your insurance premium. Although, you can get specialist modified car insurance that will cover any modifications to your car.

Do You Have To Inform Your Insurance Provider Of Modifications Made To Your Car?

You have a legal requirement to declare your modified car to your insurance provider in the UK.

You must declare all known modifications if you buy a modified car and notify your insurer of any changes planned mid policy to be completely covered.

If you plan to make modifications to your car, you may have to get modified car insurance to cover these changes. A modified car insurance policy might also save you money, so it is best to enquire about the modified car insurance cost difference among different insurance providers.

Vehicle modifications you need to declare

Here is a list of modifications that have to be declared to your insurance company, whether you bought the car with them or made them yourself:

1. Engine and Mechanical Modifications: Any changes to the engine or mechanics of the car (like the exhaust, brakes or transmission) must be declared as these changes will affect your premium.

2. Wheel Modifications: These changes will make a difference n how the car handles and adds value to the car. You will have to notify the insurance company of these changes.

3. Bodywork Modifications: Notify your insurance provider if you have made changes to:

4. Suspension and Brake Modifications: If you have improved brakes or changed your suspension, your car performance and handling will be different, and your insurer must be made aware.

5. Interior Modifications: Some changes to the interior of the car do not have to be declared, but seat changes, changes to the pedals, and altering the steering wheel must be declared.

6. Adding Stickers and Decals: Several insurance companies consider decals and stickers a modification. Before adding any decorations to the outside of your car, check with your insurer if it will change your insurance costs.

Vehicles Modifications That May Raise The Cost Of Car Insurance Premiums

Certain modifications will increase your car insurance premium.

Custom paint jobs, stickers & decals

Some insurance providers have had to pay a lot for vehicles with decals and stickers, which means these companies will be hesitant to cover these cars under standard car insurance.

Insurers who offer insurance for custom paint jobs and stickewill likely to increase your premium by about 5%. If you are not happy with that, you can always get cheap modified car insurance to cover the changes.

Engine upgrades

Car enthusiasts love to tinker with their engines, but you should know that changes to the car's engine and mechanics mean that you will have an increased premium.

One example of engine modification that will increase your premium is remapping the Engine Control Unit (ECU). The ECU is responsible for mixing fuel and air in the engine. By changing the ECU to improve performance, you can expect your insurance premium to increase as much as your horsepower.

Cold air intake

When you install a cold air intake, cooler air is fed to the engine, bringing more oxygen and improving combustion in the engine.

This relatively minor modification will only slightly increase your premium.

Upgraded exhaust system

Exhaust upgrades improve the flow of waste through the engine, increasing engine performance and your premium.

Loud exhaust systems are illegal in the UK, and any modifications to the exhaust that makes the car noisier can result in a reaction from the police.

Upgraded brake discs

By installing high-quality brake discs, like carbon-ceramic or slotted brake discs, you are increasing the value of your car, which in turn might increase your premium.

Bodywork modifications

A complete body kit could replace the existing bodywork or be added to the current bodywork, compromising your car's safety.

Large bumpers and side skirts mean the car has lower clearance and risks getting damaged on bumpy roads.

Here are some additional bodywork modifications that will alter your premium:

If you make any of these modifications, the risk of your premium is increased by 10 to 15%. If you already have modified car insurance, these changes are unlikely to affect your insurance.

Transmission or gear change

A popular transmission mod is short shift kits. These kits decrease the distance between gears, which gives the car a sportier feel. Because these changes can make your car harder to drive, your insurance provider can expect to increase your premium between 5 to 10% for any gearbox modifications.

Replacing or reupholstering your seats

If you improve your seats by upholstering them or having new seats professionally installed, your car value increases, slightly increasing your premium.

On the other hand, if you replace your seat with cheap alternatives that do not comply with safety standards, your insurance premiums will increase by 5 to 10%.

It doesn't matter why you are making changes to your seats; just make sure to notify your insurance provider.

Alloy wheels

Alloy wheels are stronger than steel wheels and make your car easier to drive. These expensive wheels will increase your car's value, increasing your premium.

Unfortunately, some areas are infamous for the theft of alloy wheels. If your insurance provider is aware of that, your premiums will be more expensive than if you had steel wheels.

Modified car lights

Not all modifications of lights will influence your car premiums; in fact, most of them won't.

Young drivers often fit their cars with LED strips along the bottom of the car. If such a driver has a history of claims, theft and irresponsible driving, then the insurer will consider this and increase the premiums.

Other modifications to lights, such as coloured LED headlights or flashing under-car lights, are illegal and void car insurance.

Lowered car suspension

You are legally allowed to lower your car's suspension, as long as the steering abilities and angle of the headlights are not detrimentally affected.

However, if your car is lowered, it becomes a hazard on uneven roads and speed bumps, which could increase your premium.

Vehicles modifications that will not affect your car insurance

Most car modifications tend to affect your insurance premium. Still, you can make a few modifications to your car that are unlikely to influence your insurance, especially if you already have modified car insurance. These are modifications that are unlikely to increase your risk of an accident.

Parking sensors. By adding parking sensors, you are decreasing your risk of an accident. Adding these sensors will not impact your insurance premiums.

Winter tyres. There was some confusion around this in recent years. Adding winter tyres when appropriate means your car will handle better in inclement weather. It depends on the insurance provider. However, winter tyres should not alter your premium.

Dashcams. Dash cams are removable and therefore not considered modifications.

Modifications that might invalidate your car insurance

You will invalidate your insurance cover by not declaring any modifications to your car.

There are legal modifications that, when undeclared, will void your insurance policy:

Installing turbo abilities or supercharging your engine

Changes to the bodywork

Changes to the gearbox or transmission

Modifying your exhaust system

Changes to the air filtration system

Customised paintwork

Complete body kits

Changes to the brakes

Illegal modifications will also make your insurance policy invalid. These include:

Dark tinted windows block 70% or more light

Flashing under-car neon lights

Removing the silencer from the exhaust and other noise modifications

Certain wheel modifications are considered illegal

You should always keep your insurance providers up to date if you plan to make any changes to your vehicles.

Are there vehicle modifications that can reduce car insurance premiums?

Downsizing your engine

Smaller engines are more energy-efficient and lighter. These cars are often safer to drive as well. Many car owners opt to switch out the manufacturer's engine with a lighter, smaller engine that uses less energy. This will decrease your insurance premium.

High-performance brakes

Uprated brakes in non-sports cars will make your car safer to drive. If that is the only modification to your car, it is unlikely to decrease your premium. But, if your car is already highly modified, then better brakes can decrease your premium by 10 to 15%.

Suspension upgrades

An upgraded suspension will improve drivability. Most cars come with standard suspension, so improving the suspension alone will not decrease your premium. Highly modified cars with an upgraded suspension could enjoy a 5% decrease in their premiums.

Sway bars

Sway bars help stabilise the car when it takes tight turns and can reduce the risk of rolling. Installing a sway bar can decrease your premium by 5%.

Water cooling systems

Water cooling systems improve the performance of the brakes, which will decrease the premium of modified cars.

What happens if you don't declare modifications on your car?

If you do not declare modifications you plan to make, your insurance will be void. It is a legal requirement to declare all modifications, so you commit fraud if you do not declare changes.

Always speak to the insurer first before making modifications, as the insurance company has the right to refuse to insure your vehicle if it has already been modified.

It is illegal in the UK to drive without car insurance - you risk a minimum fine of £300 and a minimum of 6 points on your licence. This would be the best-case scenario. The fine could be much larger, and your car and license could be revoked.

Are Any Car Modifications Illegal?

There is a certain types of modifications that are considered illegal in the UK:

Certain neon lights: Althousome neon lights are legal, most are considered illegal, including:

Red lights at the front or back of your car

Green lights

Visible light bulbs or LED strips

Flashing lights

LED lights on the inside of the car

Window tints: Tinted windows are illegal if they block more than 70% of light.

Engine and mechanical modifications: There particular engines and mechanical modifications which are illegal in the UK:

Removing the catalytic converter

ECU remapping

Injecting nitrous oxide into the combustion chamber

FAQs

What if my car comes with modifications?

If you get a second-hand car that already has modifications, you can get modified car insurance. But what does modified car insurance cover?

Modified car insurance covers the same risks as any other car insurance policy but is adapted to modified vehicles. This type of insurance will cost more than standard insurance and only cover legal modifications.

Is a dashcam a modification?

Generally, dash cams that can be removed are not considered modifications. However, it differs between insurers. It is best to check with your insurance provider if you plan on installing a dashcam.

Do bucket seats affect insurance?

Changing your seats could increase your premiums if it alters your car's handling or the car's safety. Suppose you had fitted in your car bucket seats and were in an accident. In that case, the insurer is unlikely to payout unless they were notified in advance of the seat changes and were satisfied that it met safety requirements.

If I install a tow bar, will that increase my car insurance premium if I install a tow barms?

No, if you install a tow bar, you will be driving slower, reducing your premium by 20%.

Learn more about what affects the price of car insurance to protect those costs associated with driving a car.

Final Thoughts

If you have dreams of modifying your car, always discuss your plans with your insurance company to ensure you will be covered.

If you are buying a modified car, you can get car modifications insurance to rest assured knowing you are protected in case of an accident.

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What modifications affect car insurance?

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Depending on the type of modification, the type of car insurance you have (for example, temporary car insurance , learner driver insurance , third-party or comprehensive), and your insurance company, modifications to your car can increase or decrease your insurance premium. What Counts As A Car Modification?