Can You Insure A Modified Car?

What is a Modified Car?

A modified car is any vehicle that has been changed from its original manufacturer specifications. This could include changes to the engine, suspension, body or interior of the vehicle. Many modifications are carried out to improve the performance of a car, while others are purely aesthetic. Some common modifications include upgraded brakes, exhaust systems, turbocharges, air intakes and body kits.

Can You Insure A Modified Car?

Yes, you can insure a modified car. However, certain modifications can make it more difficult to find an insurer willing to cover your car. This is because modifications can make a vehicle more expensive to repair or more likely to be involved in an accident. Therefore, some insurers may refuse to insure a modified car, or may charge a higher premium for the same level of cover.

What Types Of Modifications Can Affect Insurance?

The type of modification can have a big impact on the cost of insurance. For example, performance-enhancing modifications such as turbochargers, exhausts and air intakes are likely to increase the premium. Cosmetic changes such as body kits, paint jobs and interior modifications usually have less of an impact, but still may affect the cost of insurance.

Does The Insurer Need To Know About Modifications?

Yes, it is important to tell your insurer about any modifications you have made to your car. If you do not disclose any modifications, your insurer may refuse to pay out in the event of a claim. This is because they may view the modifications as a contributing factor in the accident. It is also important to note that some modifications may invalidate your insurance policy, so it is important to check with your insurer before making any changes.

How Can I Find Insurance For A Modified Car?

If you have a modified car, you may need to shop around to find an insurer willing to provide cover. It is often best to look for specialist insurers that have experience in covering modified cars. These insurers may be more willing to provide cover, and may offer better rates than more mainstream insurers. It is also important to make sure you are honest with your insurer about any modifications, as this could affect your cover and your premiums.

Can I Insure A Modified Car?

Yes, you can insure a modified car. However, it may be more difficult to find an insurer willing to cover your car, and you may need to pay a higher premium. It is important to make sure you tell your insurer about any modifications you have made, and to shop around to find the best deal for your modified car.

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