Do Private Plates Affect Insurance?

No. You are required by law to display a registration mark on your vehicle. A private number plate should not be considered a vehicle modification and your insurer should not change your premium as a result.

Your insurer may charge you an admin fee for reporting a change in registration on the vehicle because they have to update their records.

This is entirely at the discretion of your insurer.

We usually recommend to our customers that you attempt to challenge any fee as the change is trivial and you are not modifying your policy or vehicle in any way. Insurance admin fees must be considered 'reasonable' and you can complain to the Financial Ombudsman Service if you feel this is not the case.

You are legally obliged to inform your insurer of a change in registration, else you may find your policy is invalidated.