Any modifications you make to your car need to be declared 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 original condition. If you’re not honest about your car modifications, any claim you make following an incident could be turned down.
Read on to find out more about telling your insurer about your car modifications, and what changes you should declare.
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.
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.
If you’re looking for an insurer who specialises in covering all kinds of car modifications, at Keith Michaels we love to cover enthusiasts who are passionate about their vehicles. Take a look at our Modified Car Insurance page to find out more.
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.
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 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.
Read our Modified Car Insurance and Non-Disclosure page for more information on what could happen if you don’t declare your car modifications.