Do You Have to Declare 4D Plates to Insurance?

For anybody considering a 4D Number Plate, questions regarding insurance can come into play. Will it affect your insurance? Will you have to pay more? Do insurance premiums even take number plates into consideration?

This blog will answer the question ’Do you have to declare 4D Plates to insurance?’

Bespoke Plates is a renowned and legally certified registration platemaker and installer, with options of 3D Plates, 4D Plates, Show Plates, regular / Electric Vehicle Plates and more. We are the one-stop shop for all things registration plates!

Whether it’s a Private Plate, Gel Plate, Standard Registration Plate or plating accessories, we have you covered.

As a certified and experienced team of plate fitters and makers, our plates are installed to the specification of UK law, provided alongside the appropriate paperwork you require. (The only exception to this is show plates.)

Insurance and number plates

Where to customise number plates

Number plates are essential for your vehicle to be insured, this is because your number plate provides your vehicle with its identity. Number plates contain information that includes the year of the vehicle’s manufacturing, which can affect the price of your insurance.

Generally, your number plate is protected under your insurance, this means in certain circumstances occur that result in permanent damage to your number plate, your insurance can help to replace it.

Please note that the stipulations of each insurance plan are subject to the policies of the insurance company. You should make sure you have a clear understanding of what your policy covers before agreeing to it.

Will my insurance cover a Private Plate?

If you have purchased, or are in the process of purchasing a Private Plate, you must inform your insurer beforehand and discuss whether or not it will affect your policy. Presuming the Private Plate will be replacing your current number plate, your insurance has to know for your insurance to be valid.

This is because your insurance policy can be identified by your number plate, having a plate that is contrary to what your insurance has can complicate and even nullify your insurance policy. This is why you should inform them of any modifications you plan to make to your vehicle.

Do I need to let my insurance know if I get a Number Plate Holder?

Yes. Although it may not affect anything, it is good practice to keep your insurer informed of any changes you make to your vehicle, even if they end up being irrelevant to your insurance policy.

Do you have to declare 4D Plates to insurance?

Ordering a 4D Number Plate

When it comes to 4D plates, it isn’t a modification which affects performance, so in theory, you don’t have to declare it to your insurance. However, as a general rule of thumb, you should always let your insurer know of any modifications you make to your vehicle.

We can’t speak to the individual policies that each insurer offers, which is why we encourage you to maintain a dialogue with them directly if you are deciding to upgrade your number plate.

Generally, non-performance related modifications will not affect your insurance, as it will not alter your ability to drive or control the vehicle. However, this may not be the case for modifications such as window tints etc.

For some insurers, a 4D plate, or even a private plate is considered a modification, this is why it is critical to understand your policy before making a decision.

What happens if I don’t declare my 4D plate to my insurance?

If your policy requires you to declare any modifications that you make, and you fail to do so, the result can vary. It will cause complications which can include delays or the inability to pay you in the instance the insurance policy needs to be activated.

As we mentioned earlier, you should inform your insurer before making any potential modifications. The last thing you want is for your policy to become invalid due to a small change!

Do 4D plates affect MOT?

No, the only time a 4D plate would affect your MOT is if…

  • The plate has been broken and repaired instead of replaced.
  • The plate does not follow legal requirements.
  • The plate has been attached in a dangerous and unsecured manner.
  • The plate has any issues which can make it a hazard to other road users and pedestrians.

MOTs are to ensure your vehicle is road-safe, any part of your vehicle that compromises the safety of yourself, your passengers, other road users and pedestrians will result in a failed MOT. Your number plate is included in this comprehensive check.

Are 4D number plates the only plate modification?

Are 4D number plates the only plate modification?

No. There are many plate modifications on offer depending on the plate manufacturer you visit. the price of a custom number plate will likely vary between providers and the options they offer.

However, you should be careful, as there are platemakers who are not authorised to provide legal number plates. You can find legal platemakers in your vicinity by checking here.

The custom plates available from Bespoke Plates range from just over £30, to £90 depending on what you decide to have on the custom plate. Here is the price list of options we offer.

  • 3D number plates – From £40.00
  • 4D number plate – From £50.00
  • Hex Plate – £15.00
  • Show plate
  • Plate tinting — From £4.99 to £15.00
  • Plate size options – £6.00
  • Borders – £4.99
  • Side badges – £12.00

As long as legal specifications are not compromised, you can have more than one customisation option on your plate. However, rest assured, we are here to tell you what is legal and what isn’t. Please get in touch with us if you have any questions about a plate you want to order.

How to order a 4D Number Plate

Is number plate customisation legal?

Ordering a 4D Number Plate is made efficient and easy when you use Bespoke Plates. With us, you will also have the option to preview your potential plate before making a decision.

Visualising how your plate can look in real-time, with the characters from your actual registration plate, saves time and makes it easy for you to know what you want before you get it. Let us walk you through the process of choosing your plate through us.

  1. Head to the Bespoke Plates website
  2. Select the plate style you want under the “Build Your Plate” tab. Alternatively, you can follow this link.
  3. Enter your registration (You can press ‘preview’ to see your registration with all the modification options you have selected.)
  4. When selecting your chosen plate, you can opt for 3D/4D options, a Hex plate, and whether you want a legal plate or a show plate.
  5. Select preferred optional accessories.
  6. Decide if you are collecting with installation, or if you want it to be delivered.

Installing through Bespoke Plates ensures the best service & secure installation for your number plate, along with guidance for any questions you may have.

Make your 4D Number Plate today

In this blog, we have highlighted our plate options and the information you need to obtain our stylish customisation options for your vehicle. We aim to have confidently displayed everything you need to know regarding the question ‘Do you have to declare 4D Plates to insurance?’

We hope that we have provided all the right answers and options for all of your plate modification needs.

Bespoke Plates has all the options you can ask for, as an approved registration vendor we can guarantee your modification abides by the DVLA rules whilst offering same-day collections and full fitting service.

To get in touch and discuss the full fitting service we offer with our plates, you can talk to one of the members of our team by:


Phone 0333 006 7878

Visit in-store

36A Broughton Street,


M8 8NN

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