Car Insurance Modifications - Should I Declare Them?

Yes! Car modifications should always be declared even if it increases the annual car insurance premium. If they are not declared, in the event of a claim your insurance policy could be considered invalid - leading to all sorts of problems. If you have a heavily modified car try getting insured with an insurance specialist that deals with modified cars as they often charge less for modifications.

How Much Does It Cost To Insure Car Modifications?

The cost for different car modifications varies massively between insurance companies. Before purchasing a modification you should check with your insurance company whether it will affect your premium. It is also worth noting that in most cases in the event of a claim the modified part will only be replaced by the standard part.

Why Does It Cost Extra To Insure A Modified Car?

There are two main reasons why modifications cost extra on insurance policies. Modifications tend to fall into two categories, each category is explained below and why it increases the premium.

  1. Performance Modifications such as suspension, engine tuning, filters, exhausts and induction kits can put up your insurance as they improve the performance of your car.
  2. Aesthetic Modifications such as body kits, tints and spoilers can increase your premium as make your car more attractive to thieves and vandals.

What Do Insurance Companies Class As A Modification?

Insurance companies will class any change to a car after it has been manufactured as a modification. Some insurance companies will also class factory fitted extras as modifications, so always check this with your insurer.