Modified Motorcycle Insurance


If you've recently modified, or you're considering modifying your motorbike, it's important to ensure that your bike is fit for purpose, road legal, and that it is fully covered under your insurance.

At MotorCycle Direct we offer insurance for all types of modifications, some of the more standard ones are listed below. We also have a panel of insurers that can cover more extensive modifications, on a like-for-like basis. In order for us to understand exactly what type of change has been made, you will need to speak directly to one of our specialist insurance representatives.

What are modifications?


Modifications refer to any changes that have been made to the original specification of the bike. For example, this can include any adjustments which help to enhance the performance of the bike.

Modified bikes are often viewed as being more desirable, not only to the owner but also to thieves. They can also increase the bike's overall value, and if your treasured two-wheeler has been enhanced for speed, it's more likely to be viewed as a higher-risk. These are just some of the reasons why modifications can affect your premium and why it's important to check that your insurer provides the level of cover you would expect.

The importance of notifying your insurer


We understand that one of the joys of owning a motorcycle involves personalising it to your own tastes and making it individual to you. Whether you are making adjustments for cosmetic, performance, safety or practical reasons, you will need to notify us so that we can amend your policy accordingly. Failing to do this could result in your cover becoming invalid, and if you are involved in an accident or need to make a claim, it's possible that you may not be covered or will not receive the full amount.

You are also required to inform the DVLA if you have made any changes to the colour of the bike, the engine or the cylinder capacity, as well as some other adjustments. However you should also consider seeking advice from a mechanic or other professional if you are planning to make any considerable alterations.

Standard modifications insured through MotorCycle Direct


  • Disability Adapted
  • Air Filter Changes
  • Bar Ends
  • Braided Hoses
  • Decals/Stickers (unless 'Race Replica')
  • Grippers
  • Heated Grips
  • Huggers
  • Lights/Indicators/Mirrors
  • 'Scott' Oilers
  • Screen Changes
  • Seat Replacement/Changes
  • Seat Cowl/Single Seat Units
  • Sissy Bars (long back rest)
  • Tail Tidy
  • Tank Pad

How to get a quote


We always search through our panel of insurers to give you our best available deal, and to find out about our insurance policies tailored specifically for modified bikes, call 0844 800 6365 where a member of our dedicated team will be on hand to help find our best cover for you. Please note: Calls to this number cost 7p per minute, plus your phone company's access charge.

Our standard modifications are subject to a specified value. Our dedicated bike team will be able to provide you with more information regarding the individual values.