Will Modifying Your Car Void Your Insurance?

Are you considering modifying your car? Before you start, you may be wondering if making modifications to your car can void your insurance policy. The short answer is, it depends. There are a variety of modifications you can make to your car, and some of them can void your insurance policy, while others are perfectly fine. Before you make any changes to your vehicle, it’s important to check with your insurance provider to make sure your policy has you covered.

Types of Car Modifications

There are a number of modifications you can make to your car, from performance upgrades to aesthetic changes. Some of the most common car modifications include:

Performance modifications, such as adding a turbocharger, cold air intake, or exhaust system
Suspension modifications, such as lowering the car
Aesthetic modifications, such as changing the wheels, adding spoilers, or changing the paint job
Audio modifications, such as adding a new stereo system, speakers, or amplifiers

How Modifications Can Affect Your Insurance

The way modifications can affect your insurance depends on the type of modification you’re making. If you’re making a performance modification, such as adding a turbocharger, cold air intake, or exhaust system, your insurance company may consider your car to be more of a risk. This could result in your insurance premiums going up or your policy being cancelled altogether. If you’re making aesthetic changes, such as changing the wheels, adding spoilers, or changing the paint job, your insurance company may not consider this to be a risk and your policy may not be affected.

The Importance of Notifying Your Insurance Provider

It’s important to notify your insurance company of any modifications you make to your car. This is so they can properly assess the risk of your car and adjust your policy accordingly. If you don’t notify your insurance company of the modifications you’re making, your policy could be voided. This means you won’t be covered if you get in an accident and you could be left with significant financial losses.

The Bottom Line

Modifying your car can be a lot of fun, but it’s important to check with your insurance company first. Some modifications can void your insurance policy, so it’s important to make sure you’re properly covered before making any changes. Be sure to notify your insurance provider of any modifications you make so they can assess the risk and adjust your policy accordingly.