Your question: What modifications affect car insurance?

What is classed as modifications on car insurance?

A modification is any change you make to your car that alters it from the manufacturer’s standard settings. Modifications tend to fall into two categories: performance or cosmetic.

Should I tell my insurance company about modifications?

It’s your duty to declare any car modifications when signing up for car insurance. If you make any modifications while your policy is in force, you should inform your provider straight away. In some cases, you may be required to contact your insurance company before you make any changes so you can obtain an agreement.

Do modifications on cars increase insurance cost?

Will vehicle modifications raise my car insurance rates? In most cases, yes. Anything added to your car policy is likely to raise the cost of your premium. … Insurance companies have concluded that drivers who make modifications to their vehicles are more likely to file a claim.

What mods make your insurance go up?

Modifications that may increase your insurance premium

  • Engine Control Unit (ECU) remapping. …
  • Cold air intake – filter modification. …
  • Exhaust upgrades. …
  • Reupholstering or replacing seats. …
  • Custom paint jobs. …
  • Sound systems. …
  • Dashboard add-ons and upgrades. …
  • Custom gear knobs.
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What happens if you don’t tell insurance about modifications?

What happens if you don’t declare modifications to an insurance provider? Your insurance will be void if you don’t declare the modifications to an existing plan. You will be committing fraud if it’s not declared at the point of application as you have not provided accurate information deliberately.

Can insurance tell if car remapped?

Can my insurer find out that I had a remap job? Yes (probably). Remember that while insurance companies might not know much about car remapping, if you make a claim they can employ a specialist to take a good look at your motor.

Do I have to declare modifications?

Modifications to the engine or vehicle mechanics – such as the exhaust system, transmission, or air filter – must definitely be declared to your insurance provider. … Therefore, if your car has been fitted with alloy wheels or wider wheels or tyres, you need to declare this to your insurance company.

What modifications can I make to my car?

If you’re still unsure, here is a list of changes that could prevent you from being covered by standard car insurance:

  • Turbo or supercharger installed.
  • Transmission or gear alterations.
  • Exhaust system changes.
  • Air filter upgrades.
  • Wheel arch amendments.
  • Number plate changes.
  • Body kit amendments.
  • Spoiler additions.

Do you have to declare tinted windows on insurance?

You must tell your insurer even if you’re tinting rear glass to improve security or protect young kids from the sun. The message is: tinting glass may affect your premium or the ability to get cover.

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Does modding a car void insurance?

According to, not listing modifications on your policy can void it due to material misrepresentation. This can lead to you having to pay a claim out of pocket. It could also mean your insurance company will not pay to replace your vehicle, even if it is totaled or stolen.

Does a spoiler make your insurance go up?

Pushing up the premium

Not all modifications will affect the price you pay for car insurance. Changes are only likely to increase your insurance if they increase ‘risk’. … Engine upgrades, spoilers and bumpers are all examples that could make your car riskier and mean you’ll pay higher premiums.

Is Hagerty owned by Allstate?

Please refer to your declarations page to determine the underwriter for your policy. Each insurer has sole financial responsibility for its own products. Hagerty Insurance Agency, LLC and its insurers are not affiliated with Allstate or Ivantage Select Agency, Inc, an Allstate affiliate.