Modified Motorbike Insurance

Modified Motorbike Insurance

Modified your bike? Get it covered properly with specialist insurers who understand what you’ve changed and why it matters.

Get a fast quote here with flexible payment options, and support from people who understand motorbike insurance.

We’ve specifically designed a bike insurance option for riders who want the right cover for their setup, with competitive rates, flexible payment options, and expert support when you need it.

What is Modified Motorbike Insurance?

Custom motorcycle insurance is built for bikes that have been changed from the manufacturer’s standard specification. This can include performance upgrades, cosmetic changes, or functional modifications.

Because these changes can affect how your bike performs and how it’s valued, you’re at risk of a standard insurance policy not fully covering you. A specialist policy ensures your modifications are properly declared and protected, so you’re not left exposed if you need to make a claim.

What Counts as a Modification?

Simply put, a modification is any change made to your bike after it leaves the factory. This includes whether it affects performance, appearance, or even just how it’s used. These include:

• Performance upgrades – engine tuning, exhaust systems, air filters, turbo kits
• Handling changes – suspension upgrades, brakes, tyres
• Cosmetic changes – paintwork, wraps, decals, custom bodywork
• Functional additions – luggage systems, lighting upgrades, security devices

Even small changes can have an impact on your insurance, so everything must be declared to make sure you’re properly covered.

Who is Modified Motorbike Insurance For?

If you’ve made changes to your bike, your insurance needs to reflect them. This cover is designed for motorcycle riders who want to protect their bike properly and not run the risk of being underinsured. This is motorcycle insurance for:

• Riders with performance upgrades or engine modifications
• Owners of custom or personalised bikes
• Riders with cosmetic changes or aftermarket parts
• Enthusiasts who have invested in improving their bikes
• Owners of high-value or specialist builds

This cover is not necessary for riders with completely standard bikes that haven’t been modified. If it’s standard insurance cover you need. Get a quote here or call us on 0344 8800 962. Our agents are available over the phone 9am to 5pm Monday to Friday and 9am to 1pm on Saturdays.

Why Standard Motorbike Insurance May Not Be Enough?

The minute you start making changes to your bike, you’re suddenly in a position where a standard policy may not fully protect you. In some cases, it could even invalidate your cover. You run the risk of:

• Undeclared modifications can lead to rejected claims
• Your bike may be underinsured if its true value isn’t reflected
• Some insurers may refuse to cover certain modifications
• You could be left covering repair or replacement costs yourself

Modified motorbike insurance ensures your setup is properly declared and understood, so you can ride knowing you’re fully protected

Get your quote in minutes here.

What Does Modified Motorbike Insurance Cover?

Modified motorbike insurance gives you the same core protection as a standard policy, without the risk of leaving yourself uninsured. It also includes:

• Third Party, Third Party Fire & Theft, or Comprehensive motorbike insurance cover
• Damage to other people, vehicles, or property
• Theft and fire damage
• Accidental damage (with comprehensive cover)
• Cover for declared modifications and aftermarket parts

You can also enhance your policy with optional extras such as breakdown cover, legal expenses, personal accident cover, helmet and leathers cover, and excess protection.

Types of Modifications We Can Cover

At Wicked Quotes, we can arrange cover for a wide range of modifications, from your simple upgrades to more complex builds. Our modified motorbike insurance covers:

• Exhaust upgrades and aftermarket systems
• Engine tuning and performance modifications
• Suspension and brake upgrades
• Cosmetic changes such as paintwork, wraps, and body kits
• Electrical upgrades, including lighting and accessories

If your bike has multiple or more complex modifications, we can still help by arranging cover through our exclusive specialist insurer partners.

Additional Cover

Perhaps you have special modified motorbike insurance requirements, or maybe you just want a bulletproof insurance policy.
Here at WickedQuotes, you can tailor your modified motorbike insurance with optional extras that help protect both your bike and the investment you’ve put into it.

• Breakdown and roadside assistance – Get help quickly if your bike lets you down, with options for UK or European cover depending on how you ride
• Legal expenses cover – Covers legal costs if you need to recover losses or deal with a claim after an incident
• Personal accident cover – Provides financial support if you’re seriously injured while riding
• Helmet and leather cover – Protects the cost of your riding gear, which is often of high value for modified bike owners
• Excess protection – Claim back your excess

Unsure about what you need? No problem, contact our specialist support team today on 0344 8800 962 for more information.

Why Choose Wicked Quotes for Modified Motorbike Insurance?

Getting the right cover for a modified bike takes more than a standard quote. You need insurers who understand what you’ve changed and how it affects your cover. With over 25+ years of experience, that’s why at Wicked Quotes we offer a specialised service which provides you with the best possible coverage. Including:

• Access to exclusive, competitive rates from specialist motorbike insurers
• We can arrange cover for more complex or heavily modified bikes on referral
• Speak to UK-based motorbike insurance experts who understand modifications
• Flexible instalment options to help spread the cost
• Warm welcome call after purchase to confirm your cover is correct
• 24/7 claims support when you need it most
• Option to get a quote online or speak to an expert for guidance

We work closely with our insurer partners to help you get the right cover for your bike, not just the closest match.

What Affects the Cost of Modified Bike Insurance?

The cost of your policy will depend on the type of modifications you’ve implemented and how they change the risk and value of your bike. Cost-affecting factors include:

• The type and extent of your motorbike modification
• The overall value of your bike and added parts
• Performance upgrades that increase speed or power
• Where and how your bike is stored
• Your age and riding experience
• Your claims history and any convictions
• The level of cover and optional extras you choose

We work with specialist insurers to secure competitive rates, and options like flexible instalments and excess reduction can help make your cover more manageable.

How to Get a Modified Motorbike Insurance Quote?

Say goodbye to confusing insurance cost headaches. Here at Wicked Quotes, we believe in making things quick and straightforward. Get the right cover within minutes. Simply:

• Enter your details online through our quote form
• Declare all modifications so your cover is accurate
• Choose your level of cover and any optional extras
• Get your quote instantly or speak to one of our experts for guidance

Once everything is in place, a cover can be arranged quickly so you can get back on the road with confidence.

Get Your Modified Motorbike Insurance Quote Today

Get cover that reflects your bike and everything you’ve put into it, with competitive rates, flexible payment options, and expert support.

Start your quote online now or speak to an expert on 0344 8800 962 and get the right cover in place today.