You need to declare all and any modifications you make to your car to your car insurance provider. You’ll be asked on your application form to make note of any parts of your vehicle that have been modified from its factory state. If you’re not honest about your car modifications, any claim you make following an incident could be rejected, and you could be charged with insurance fraud.
Read on to find out more about telling your insurer about your car modifications.
Why You Should Declare Car Modifications
Any attempt to improve the way your car looks or performs can dramatically alter its value and increase the risk of it being involved in an accident.
This is why insurance companies request that you tell them of any modifications to your car so they can factor these into your policy. While modifications may result in more expensive premiums, by declaring them you can rest assured knowing your car is fully protected and any claim you make will be accepted
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When To Tell Your Insurer About Car Modifications
It’s your duty to declare any car modifications when signing up for or renewing your 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.
Car Modifications and Insurance Timeline
Choose what (road legal) modifications you want to make and plan the order you wish to install them
Purchase any parts, and make a note of how much they cost
When you’re ready, install the parts (or have a professional do it for you), logging the date of install
Once you’re ready to put your car on the road, speak to your insurer and update your policy to include the modifications
The Best Approach for Modifications and Insurance
For each modification you make to your vehicle, you need to document it. This information needs to include what parts you used, the cost to you, as well as the day and month you made the modification.
When you’re looking to contact a car insurance provider, it’s best to ring one that offers specialised modified insurance policies, especially if your car is extensively modified. A specialist modified car insurance provider will hold in-depth knowledge about modifications and will likely be a fellow enthusiast like yourself -you can talk them through what you’ve done, and they can ask questions as and when needed.
What Modifications Need to be Declared?
Most changes made to a car after manufacture are classified as modifications – from paintwork and stickers to wheel changes and engine upgrades. For an in-depth guide to car modifications that need to be declared to your insurer, please see our What Modifications Affect Car Insurance page.
Failing to Disclose Your Modifications
If you don’t mention your car modifications to your insurance provider – or lie about the types of modifications that have been made – you risk your claim being rejected should you apply for one following an accident or theft. Failing to disclose modifications could also be counted as insurance fraud, so it’s in your best interest to be completely honest with your provider about the types of modifications that have been made to your car.
Save Time & Speak to a Modified Insurance Specialist
Here at Keith Michaels, we’ve been insuring modified cars for over 30 years. We’re able to arrange affordable and expert-
Get in touch with us today, and discover how we can help you.