Some people like to alter their vehicles to change the looks or boost performance, and in many cases this can impact your car insurance and warranty.
Here, we highlight what is included in modified car insurance, and everything that drivers should be aware of before they get covered.
What is modified car insurance?
Modified car insurance is designed specifically for vehicles that have been altered or customised from their original factory specifications.
This includes a range of modifications, from aesthetic changes like new paint jobs, body kits, or specialist wheels, to performance enhancements like turbochargers, ECU retunes, or upgraded suspension systems.
Regarding the standard car insurance policies issued to drivers in the UK, they typically do not cover the majority of modifications available in the market today.
This is because they view any non-standard parts or alteration as a potential liability, either due to increased repair costs or because they change the way the vehicle handles or performs on the road.
They can also impact the safety of the vehicle when compared to the original specifications and design.
Modified car insurance takes these changes into account, ensuring that the full value and unique aspects of the car are covered – meaning that it can cost significantly more than standard car insurance.
What are the types of modifications that impact car insurance?
Car insurance providers consider modifications before issuing any cover, so it is important to know what to look out for.
Here are the modification classifications that can impact car insurance:
- Performance modifications
- Aesthetic modifications
- Interior modifications
- Wheels, tyres, and suspension
- Safety modifications
- Remapping
If your car has been modified in any way, it’s essential to inform your insurer to avoid any potential issues in case of a claim.
Things to consider before buying modified car insurance
If you are considering taking out modified car insurance, then there are some important things to think about.
The price for your premium will likely increase, and it could be refused if any of the modifications are deemed illegal.
The cost of your premium could increase, or be higher than a standard car insurance, depending on the type of modification. It’s best to make sure the modification doesn’t fall foul of UK road laws before you carry it out.
Safety is the most important thing for all road users, and modifications may impact this.
Insurers may need to see extra documents regarding any mods before anything can be issued to the driver.
It is important to find a reputable garage to carry out the work, where they can show where the parts were sourced and that they were professionally fitted to the vehicle.
When it comes to DIY modifications, it is best to check with your insurer before you fit them, to avoid any future voidance of your insurance.
How to get modified car insurance
To get modified car insurance, you’ll typically need to go through a few extra steps compared to standard insurance that is available to drivers in the UK.
Vehicle modifications create unique insurance risks, and its for this reason, premiums can significantly change following vehicle customisation. More minor changes may only make a small difference to your premium, but its something to bear in mind before souping up your vehicle.
Owners of the vehicles will need to make a comprehensive list of all modifications, including performance upgrades, aesthetic changes, and any custom work. They will need to be as detailed as possible and may need to provide all the necessary documents.
They may also need to gather receipts, invoices, and installation records for each modification – and details of where the work was carried out.
This will help the insurance provider assess the vehicle’s current value and ensure you get coverage for each specific change.
In some instances, the insurer will need a video or photographs of the modifications.
Drivers will then need to find insurers that offer modified car insurance.
It is important to note that anytime you add new modifications or upgrades, you will need to inform your insurer. Failing to report modifications can result in issues if you need to make a claim – and even void the agreement.
What are the most common types of car modification?
Car modifications can be categorised based on their purpose, whether it's for performance, aesthetics, safety or comfort.
Performance
Some common car modifications include engine upgrades, adding turbochargers, or installing high-performance air intakes. This could also include replacing the exhaust system for increased power, improved efficiency, or a louder sound.
Some car owners want to lower or raise their suspension, or upgrade the shock absorbers for better handling.
By adjusting the car’s electronic control unit (ECU), a trained mechanic can enhance engine performance and fuel efficiency. This is known as remapping.
Performance brake pads and disc brakes can also increase stopping power.
Safety
Regarding safety, roll cages and harnesses can be installed, along with adding sensors or cameras to help with parking and reversing.
Other safety and security measures include GPS tracking, alarms, and immobilisers.
Aesthetics
There are also aesthetic modifications that are popular with drivers. This can range from custom paint colours, designs, or vinyl wraps to body kits, rims, and spoilers.
Interior modifications can include replacing standard seats with sports seats or upgrading the upholstery with leather or custom fabrics.
Sports steering wheels, pedals, or gear knobs can also be personalised.
Finally, infotainment and sound system upgrades are very popular modifications.
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