Stop crossing your fingers at claim time. Input your modifications once and compare 25+ specialist insurers side-by-side β see exactly which policies cover your remap, coilovers, body kit, and exhaust. Built for the 4.2M UK modified car owners who deserve to know before the worst happens.
4.2 million cars on UK roads have declared modifications. Millions more are undeclared. When a modified car is in an accident, the first thing the loss adjuster checks is whether the mods were declared β and whether the policy actually covers them. Most don't. The result is Β£1.2 billion in denied or reduced claims every year.
The nightmare scenario: you've paid your premium for years, declared your modifications, had an accident, and the insurer says "that modification isn't covered under your policy." Your Β£3,200 claim becomes Β£0. You're left with a written-off modified car and no payout.
Most insurers use catch-all language like "cosmetic modifications may be excluded" or "performance enhancements subject to underwriter discretion." You don't know if you're covered until you claim. By then, it's too late.
GoCompare, Compare the Market, and MoneySupermarket all ask "any modifications?" as a single yes/no checkbox. Answer "yes" and 90% of insurers disappear. The 10% that remain don't tell you WHICH mods they cover β just that they "consider" modified vehicles. That's not comparison. That's gambling.
A Β£15,000 car with Β£8,000 of modifications is worth Β£23,000 to you β but most insurers will only pay market value (Β£15,000) if it's written off. Finding policies that offer agreed-value or modified-value payouts takes hours of phone calls to specialist brokers.
Modified car insurance currently means calling 5-8 specialist brokers, explaining your mods from scratch each time, waiting on hold, and getting quotes that use different terminology. The average modified car owner spends 3-5 hours getting quotes β and still doesn't know which policy offers the best coverage.
Add a new exhaust? Remap? Wheels? Each modification means re-checking whether your policy still covers you β and potentially cancelling mid-term. Most owners simply don't declare new mods because the friction is too high. That's how claims get denied.
Real scenario: 2018 Golf R with stage 1 remap (360bhp), Milltek exhaust, Bilstein coilovers, and 19" aftermarket alloys. Market value Β£18,000. Modified value Β£26,000. Here's what three real policies look like:
The standard policy is Β£250/year cheaper β but it covers only 1 of 4 modifications and pays market value. If this Golf R is written off, the standard policy pays Β£18,000 while the specialist policy pays Β£26,000. The "cheap" policy costs Β£8,000 more when it matters. Our platform makes this comparison visible before you buy.
A web platform where users input their car and modifications once, and see a side-by-side comparison of which specialist insurers cover each mod β with coverage clarity scores, agreed-value options, and claim settlement data. No phone calls. No guessing. No claim-day surprises.
Input your car, then add modifications from a categorized database: engine (remap, turbo, intercooler), exhaust, suspension, brakes, bodywork, wheels, interior. Our engine queries 25+ specialist insurers and returns only policies that explicitly cover your specific combination of mods β not just "modified vehicle considered."
Every policy gets a Coverage Clarity Score (0-100) based on: how many of your declared mods are explicitly covered, whether coverage is "explicit" or "subject to underwriter," agreed-value vs market-value payout, mod-friendly claims history (settlement ratio from FCA data), and policy wording transparency. Sort by score, not by price.
Step-by-step wizard that helps users identify and declare every modification on their car β including ones they might not realise count as modifications (window tints, wrapped roofs, non-factory stereo). Built from real loss adjuster checklists. Prevents the "I didn't know I had to declare that" conversation.
Upload photos of your modifications. The platform generates a dated, time-stamped mod declaration document that you can submit to your insurer. Creates an evidence trail that proves you declared everything β the single best defence against a denied claim.
Add a new mod? The platform re-checks whether your current policy still covers you and alerts you if a gap appears. Optionally re-quotes across all insurers with your updated mod list. No more "I added a downpipe three months ago and forgot to tell them."
We pull FCA-reported claims settlement ratios for every insurer on the platform. See not just whether a policy SAYS it covers your mods β but whether that insurer actually pays out on modified car claims. Some insurers have a 92% settlement ratio on modified claims; others sit at 64%. That difference matters.
Revenue from flat-fee insurance referrals (Β£25-Β£50 per policy) and premium subscriptions (Β£9.99/month). Conservative assumptions: 1.2% conversion from comparison to purchase, Β£35 average referral fee. Marketing via modified car forums, YouTube channels, Instagram, and SEO.
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Monthly Unique Visitors | 18,000 | 55,000 | 140,000 |
| Searches per Month | 2,700 | 9,900 | 28,000 |
| Policies Sold per Month | 216 | 792 | 2,240 |
| Avg Referral Fee (Β£35) | Β£35 | Β£35 | Β£35 |
| Referral Revenue/Month | Β£7,560 | Β£27,720 | Β£78,400 |
| Premium Subscribers | 320 | 1,400 | 4,200 |
| Subscription Revenue/Month | Β£3,200 | Β£14,000 | Β£42,000 |
| Total Monthly Revenue | Β£10,760 | Β£41,720 | Β£120,400 |
| Annual Revenue | Β£129,120 | Β£500,640 | Β£1,444,800 |
| Engineering & Ops | (Β£84,000) | (Β£120,000) | (Β£180,000) |
| Insurance Data Licensing | (Β£36,000) | (Β£48,000) | (Β£72,000) |
| Marketing & SEO | (Β£48,000) | (Β£120,000) | (Β£240,000) |
| Infrastructure | (Β£12,000) | (Β£18,000) | (Β£36,000) |
| Customer Support | (Β£18,000) | (Β£36,000) | (Β£72,000) |
| Net Profit | βΒ£68,880 | Β£158,640 | Β£844,800 |
| Profit Margin | β | 31.7% | 58.5% |
4.2 million modified cars on UK roads. 1.1M declared, 3.1M estimated undeclared. The UK modified car insurance market is worth Β£1.8B annually. Current experience: 3-5 hours of phone calls, 5-8 brokers, inconsistent coverage information. A platform that collapses this to 5 minutes captures the market.
"Modified car insurance" = 22,000 monthly searches. "Insurance for modified cars" = 9,900. "Best modified car insurance" = 6,600. "Does insurance cover remap" = 4,400. "Insurance for tuned cars" = 2,900. Current SERPs dominated by thin blog posts from brokers. A tool-first comparison approach wins every featured snippet.
73% of modified car insurance searches happen on mobile. The average owner is 22-40, male, and actively researching on forums and social media before buying. A mobile-optimized comparison tool that shows coverage clarity in 30 seconds converts at 3-4x the industry average for insurance comparison.
US aftermarket parts market: $50B annually. Australian modified car scene: 1.2M vehicles. German TΓV modification culture: heavily regulated, desperately needs transparency. UK launch establishes the comparison engine; expansion is API integration + local insurer data.
Not necessarily β it depends entirely on the insurer and the specific modification. A stage 1 remap may be accepted by one insurer and categorically excluded by another. The problem is that most standard policies don't make this clear at quote stage. Our platform surfaces exactly which modifications each policy covers, so you can choose with confidence instead of hoping.
Anything not factory-spec. This includes: ECU remaps and tuning boxes, aftermarket exhausts and decats, suspension changes (coilovers, lowering springs, air ride), body kits, spoilers, and wide arch conversions, alloy wheel changes from factory spec, intercooler and turbo upgrades, interior modifications like roll cages and harnesses, and even window tints and wrap changes on some policies. The golden rule: if it wasn't on the car when it left the factory, declare it. Our platform pre-checks policies for modification acceptance so you never get caught out.
Standard comparison sites ask 'any modifications?' as a yes/no checkbox β and then filter out 90% of insurers. They don't tell you WHICH modifications are covered, to what extent, or whether the insurer will pay out at market value or modified value. Our platform is built specifically for modified cars: you input your exact mods and we show you which policies explicitly cover each one, the mod-friendly claim settlement ratio, and whether they offer agreed-value or market-value payouts.
Standard road policies almost never cover track use β even if you've declared all modifications. We flag which insurers offer track day add-ons and which specialist brokers provide separate track day policies. For serious track users, we recommend a combined road + track specialist like Adrian Flux or Greenlight.
The comparison tool is free for users. We earn a flat referral commission from insurers when a user purchases a policy through our platform β typically Β£25-Β£50 per policy. The fee is flat regardless of premium, so we have no incentive to push higher-priced policies. Our premium subscription (Β£9.99/month) includes modification value assessments, agreed-value documentation, and annual policy review reminders.
Full business case: insurer integration architecture, modification database taxonomy, FCA compliance roadmap, SEO content strategy, and 90-day launch plan β Β£49.
Nobody claimed this opportunity. Sovael Studio launches internally in 30 days if no buyer emerges.