Any motorbike enthusiast knows that a modified or custom motorcycle can truly capture the creativity, personality and passion of the individual rider, allowing them to uniquely showcase their pride and joy to the world. When it comes to motorbike insurance for a modified bike, we at Carole Nash, are here to ensure that getting the right policy for your tailored two-wheeler is as straightforward as possible. For more information about insuring your modified bike, get in touch with us today on 0800 804 7952.


Getting Motorcycle Insurance for Your Modified Bike

As one of the UK’s leading motorcycle insurance experts, we understand that a modified bike is more than just a means of transport – it’s a huge investment of time, money and energy, which means as a modified and custom bike owner, you’ll be far more protective of your ride.

We know that your motorbike insurance policy needs to reflect this, and take into account the increased value of your bike, and how much extra care it receives. After 30 years of experience, we can provide the perfect cover for you – by offering a range of specialist motorcycle insurance policies for modified and custom bikes.


Do I Need to Disclose My Modifications?

Whether you’ve upgraded your exhaust or enhanced your bike’s suspension, any and all motorcycle modifications that you make will need to be fully disclosed to your insurer, no matter how small the change.

It’s always worth remembering that any changes you make to your bike, could potentially affect your motorbike insurance policy. This includes, any post-manufacture change, alteration or addition you make – as they are all considered to be modifications.


When disclosing any modification, you’ll need to include:

  • The manufacturer and specification of the modification.
  • The total cost of the modification.
  • An engineer’s report, for certain performance alterations.


Any motorbike insurance policy is in danger of becoming invalid if the correct information isn’t disclosed regarding your modifications.

Here at Carole Nash, we can take your information and make sure to find you the right specialist policy for your modified bike – using our panel of UK leading insurers.

We can always update your motorcycle insurance policy if you do a new modification, and depending on the individual policy and the sort of change you make, the change in cost could be minimal, or nothing at all.


How can I get the right amount of cover?

Once you inform us about all your modifications, including any physical, practical, performance, safety and security changes – we’ll ensure the right value is agreed for your modified or custom bike, when it comes to your motorbike insurance policy.

By having an agreed value policy available for all our customers, we will take into account all modifications and alterations when calculating the total amount you’ll be covered for, and we’ll agree this amount with you.

We want to make sure your bike is fully covered for the amount you’re happy with, in the unfortunate event of a total loss claim.


How Might Insuring My Modified Bike Be More Expensive?

Like any other type of motorbike insurance, there are a few factors that could potentially influence the insurance premium for your modified or custom bike.


These include:

  • Enhancing the bike’s overall performance.
  • The total cost of any modifications, and the value they add to the bike.
  • The bike becoming more desirable.


How these affect your policy can vary depending on the insurer, which is why finding an insurer who specialises in providing policies specifically for bikes that have undergone alterations, can be essential.

By choosing one of our specialist policies for modified and custom bikes, you’ll get the peace of mind of knowing your passion project is fully covered, with the right insurance deal that suits your ride.