Car Insurance Modifications - Should I Declare Them?

Yes, yes, yes and yes!!! Car modifications should always be declared even if it costs extra. If they are not declared, then in the event of a claim your insurance policy could be voided which will lead to all sorts of problems. If you have a heavily modified car it is recommended that you get insured with an insurance specialist that deals with modified cars.

How much does it Cost to Declare Car Insurance Mods?

The cost for different car modifications varies massively between insurance companies. Before purchasing a modification we recommend you check with your insurance company how much it will cost. 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 mods cost extra on insurance policies. Modifications tend to fall into two categories, each category is explained below and why it increases the premium.

Performance Modifications such as suspension, engine tuning, filters, exhausts and induction kits put up your insurance as they make the car faster which means you are more likely to crash.
Aesthetic Modifications such as body kits, tints and spoilers increase your premium as it makes your car more attractive to thieves and vandals.

What do Insurance Companies class as a Modification?

99% of insurance companies will class any modification to a car after it has been manufactured as a modification. It is worth nothing that some insurance companies will class factory fitted extras as modifications.