Do Personalised Number Plates Affect Car Insurance

Personalised number plates can be expensive, but they’re unlikely to impact your insurance.

No, not usually. Most insurers don’t classify personalised plates as a modification, so you shouldn’t be charged extra, but it’s worth checking.

Bear in mind that if you have a particularly expensive and rare number plate, some insurers may charge a premium to cover the cost if the plate is stolen.

In most cases, the price of your car insurance is unlikely to be affected if you have a personal plate simply because most insurers do not class them as a modification.

Modification of Personalised Number Plates

However, if your car insurance provider does view a personalised number plate as a modification – for example, because it makes your vehicle more attractive to thieves – your premiums could rise as a result.

If your personalised plate is expensive, you must also ensure that your Car insurance provides sufficient cover to protect it. Not all policies will offer cover specifically for personalised plates, so it’s important to discuss this with your insurer.