Does Insurance Cover Modified Cars?

What is a Modified Car?

A modified car is a vehicle that has been altered from its original state. It could have been changed in terms of performance, looks, or safety. This could include changing parts such as the engine, suspension, exhaust system, brakes, or even the body itself. It could also involve adding aftermarket parts such as spoilers, wheels, side skirts, or other visual enhancements. In some cases, people even modify their cars to make them street legal.

Does Insurance Cover Modified Cars?

The answer to this question depends on the specific insurance policy that you have. In most cases, insurance companies will cover modified cars, as long as the modifications do not increase the risk of an accident. Modifications that improve the performance of the car, such as engine or suspension modifications, will usually not be covered by insurance. However, modifications that are purely cosmetic, such as adding a spoiler or changing the wheels, will typically be covered.

It is important to note that some insurance companies may require you to provide proof that the modifications have been made safely and professionally. This may include providing receipts for the parts that were used, as well as any documents that show the modifications were done by a certified mechanic.

What is the Impact of Modifying Your Car on Insurance?

When you modify your car, it can have an impact on your insurance premiums. This is because modified cars are more likely to be involved in an accident than non-modified cars, and it is also more expensive to repair a modified car due to the additional parts and labour required. As such, many insurance companies will charge higher premiums for modified cars.

Should You Modify Your Car?

Whether or not you should modify your car is ultimately up to you. However, it is important to be aware of the potential risks and costs associated with modifying your car. It is also important to make sure that any modifications you make are done safely and professionally, and that you have the appropriate insurance coverage in place.

Conclusion

Modifying your car can be a great way to customize your vehicle and make it look and perform the way you want it to. However, it is important to be aware of the potential risks and costs associated with modifying your car, and to make sure that you have the appropriate insurance coverage in place.

If you do decide to modify your car, it is important to make sure that the modifications are done safely and professionally, and that you provide the necessary paperwork to your insurance company. This will ensure that your car is properly covered in the event of an accident.