What does modification mean?
A modification is defined as any change made to a car that alters it from the standard manufacturer or factory specifications. These changes range from cosmetic changes (alloy wheels) to practical enhancements (parking sensors).
What do you need to tell your insurer if you modify your car?
Before you make any changes to your car, you’ll need to let your insurer know what the modifications are. They’ll then be able to tell you if there are any changes to your cover. Any modification is likely to have an impact on your insurance premium.
Some modifications make your car more powerful, which could increase the risk of having an accident. Generally, changes that improve the value or performance of your car will increase the cost of your insurance. For example, if you’ve altered the air filter or remapped the engine, you can expect to start paying more for your cover.
However, insurers won’t cover cars with certain modifications. Putting a more powerful engine in the car, for example, might not only affect the performance. If it’s not installed correctly, it could increase the chance of future breakdowns.
Do I need to tell my insurer about OTA updates?
Over-the-air (OTA) monthly updates are covered as standard when you insure your electric vehicle with us. However, if you or the previous owner have paid for any additional performance upgrades that affect speed or acceleration, you must let us know. You'll only need to tell us once, not every time you upgrade.
Can I insure a customised car?
Most insurers will ask if there have been any changes from the standard specification when you take out your policy. You’ll need to tell your insurer about any modifications - even if you didn’t make them, or they were on the car when you bought it.
What about cosmetic customisations?
You should inform your insurer about changes to the bodywork on both the interior and exterior of your car. These alterations can change a vehicle’s value and can also make it more of a target to car thieves. Even small changes could affect insurance.
Are tinted windows a modification?
Yes, any tint counts as a modification. If you do add a tint, this should remain within the legal limits – too dark, and they could be considered illegal. The law states that the front side windows must let at least 70% of light through, while the windscreen must let at least 75% of light through. Cars first used before 1 April 1985 need to let 70% of light through both the windscreen and front side windows.
Before you customise your car, you should make sure any changes won’t stop your vehicle from being road legal.
Do I need to tell my insurer about software updates?
Customers should tell us about software updates that increase performance, or add new functionality to the car, such as adaptive headlights. However, for software upgrades that improve the infotainment system, or similar, you don’t need to inform your insurer.
Do I need to tell my insurer about modifications that improve safety?
When you apply for insurance on a new car, we’ll also ask if the vehicle has any safety features, as well as modifications, parking sensors, or a dash cam. We take this into account when setting your car insurance price.
Security features, such as extra locking devices and immobilisers, could help to lower the cost of your policy. Generally, these safety and security features reduce the risk of accident or theft. So, it’s a good idea to let your insurer know when you add any extra safety tech to your car.
Can I insure a car with modifications?
If you have a modified car, or intend to modify your vehicle, you can get a quote with LV= online and select any modifications your car has from the list. Alternatively, you can call us directly for a quote.
What is the best modified car insurance?
Many insurance companies offer policies for modified cars. LV= can insure some cars with changes or modifications as part of a standard policy. The easiest way to find out is to get a quoteand answer the question ‘Has your car been changed in any way from the standard manufacturer specifications?’ Simply select from the list of applicable changes, which include body work changes and security features.
What if I don’t tell my insurer about a modification to my car?
If your insurer doesn’t know about a modification you’ve made (or intend to make) to your car, and you then have to make a claim on your insurance, they may reject the claim or reduce the payments they make.
Can insurers tell if your car is remapped?
It’s difficult for insurers to tell if a car is remapped. However, you should inform your insurance provider if it is. Remapping is considered a modification and, therefore, a change from your original insurance. If you don’t, you may invalidate your policy, or you could even find yourself in legal trouble for hiding information from your provider. This may result in your provider increasing your premium or refusing further cover.
If you are in a car accident, the police can see your engine has been remapped, so you could be in big trouble.
Will your car insurance policy be invalid if you don’t declare modifications?
Although this is at the discretion of the insurer, there is a potential risk. With remapping, not declaring any other form of modification puts you at risk of your policy becoming invalid.
How can I check a used car for modifications before I buy it?
Before buying a used car, ask the seller if it has been modified. You can also look to spot modifications on a car when giving it a thorough check.
- Walk around the vehicle: give the car a physical inspection by studying it in broad daylight. This can show up changes, flaws, and damages.
- Exhaust, pipe, and filter customisations: if these were made with low-quality alternatives, they can wear off and will quickly need replacing.
- Tyres: if you notice tyres with multiple brands, that can be a sign of modification.
- Tinted windows: How dark is the tint? Does it look too dark to meet the legal requirements described earlier?
If you’re not sure after checking, bear in mind the possibility of legal issues if there have been modifications made without you being aware. Your car insurance could be made void if any unclaimed modifications are discovered by an insurer.
This article contains links to other sites, and we're not responsible for the contents of any of these websites.
Don’t put yourself at risk – contact LV= todayto find out how we can help you with finding the right car insurance policy for your modified car.
Does modifying your car affect insurance? ›
If you modify your vehicle to improve its performance or enhance its appearance, you'll typically need a coverage endorsement or a separate, custom car insurance policy. The reason is simple: modified cars usually feature expensive parts and often require special attention at the shop.Does insurance go up with mods? ›
In general, if you have a standard policy, bodywork changes can increase your premium by 10-15%. However, if you already have a modified insurance policy, a body kit is unlikely to affect your premium unless it dramatically increases the value of your car.Does insurance cost more for modded cars? ›
The coverage you need for customizations
Depending on the insurer, the premium for this extra coverage can equate to approximately 10% of the value of the modifications. Classic/collectible car insurance: Some insurance companies specialize in policies for exotic, antique or modified cars.
How do aftermarket parts work with insurance? After an accident, most insurance companies include the use of aftermarket parts in estimates for repairs. Aftermarket parts that you install yourself as a vehicle modification may also be covered up to a certain limit on a standard auto insurance policy.What car mods make insurance go up? ›
Modifications to the engine or vehicle mechanics – such as the exhaust system, transmission, or air filter – must definitely be declared to your insurance provider. If you have added a turbo or supercharger to your engine, for example, it can increase the risk of accident, which will affect the cost of your premium.Should you tell insurance about car mods? ›
You will need to declare these changes to your insurance company to ensure that the full value of your investment is covered. You will need to have comprehensive insurance to cover any damages to your car, and you will need Custom Parts and Equipment coverage to protect the mods you make.What happens if I don t tell my insurance about modifications? ›
If you don't declare all modifications to your insurer and later need to make a claim, your policy could be declared invalid. The insurer may refuse to pay out or give you a reduced rate.What modifications do not affect insurance? ›
- Modifications to the engine, such as supercharging.
- Altered exhaust systems.
- Bodywork, including flared arches, spoilers, valances and bumpers.
- Upgraded brakes.
- More expensive wheels, such as light weight alloys.
Making modifications to your car can increase its speed and performance, but it can also lower the resale value if not done correctly.Do modifications void insurance? ›
Unfortunately, there is no hard and fast rule as to which modifications will affect your insurance and which won't. Every insurance company operates differently and deem some mods higher risk than others. Some may not even make that much difference to your premiums (if at all!), but it's better to be safe than sorry!
Will my insurance go up if I wrap my car? ›
A wrap may increase the cost of your insurance, but it doesn't have to. It depends on the overall risk of the vehicle being insured and which insurance company you speak to.Does Geico insure modified cars? ›
Car insurance companies generally insure most vehicles, but they won't cover modified parts on your car. For example, if you're looking for Geico's modified car insurance, you won't find it because Geico doesn't have a designated auto insurance coverage for modified cars.What is considered a modified car? ›
modified vehicle means a motor vehicle that has been designed, constructed, or fabricated and equipped to be used upon public streets and/or highways for transportation of individuals who require use of a wheelchair.Does a custom exhaust affect insurance? ›
Engine and Mechanical Modifications: Any changes to the engine or mechanics of the car (like the exhaust, brakes or transmission) must be declared as these changes will affect your premium.What counts as a car modification? ›
The definition of a car modification is a change made to a vehicle so that it differs from the manufacturers original factory specification. So it is vital that you consider the extra costs that may accompany your modification. Insurance costs are all calculated based upon the risk.Does engine size affect insurance? ›
Why does engine size impact your car insurance premiums? Generally speaking, the larger the engine your car has, the higher the cost of your insurance will be. The higher the engine size, the more likely statistically you are to have an accident, especially as a new driver.What should I not tell my car insurance company? ›
- It was my fault. This may be common knowledge for many, but it's worth reiterating that you should never admit fault. ...
- I think. ...
- I'm fine. ...
- Names. ...
- Recorded statements. ...
- Unnecessary details. ...
- We don't have an attorney. ...
- Yes, I accept your offer.
First things first: always check with your insurer before you make a modification. In fact, most insurers make it mandatory for you to inform them of any changes you make.What are two things that can lower your car insurance? ›
- Increase your deductible.
- Check for discounts you qualify for.
- Compare auto insurance quotes.
- Maintain a good driving record.
- Participate in a safe driving program.
- Take a defensive driving course.
- Explore payment options.
- Improve your credit score.
Replacing certain parts can give your vehicle a personal feel which can't be found with the factory edition. In some cases, having a personalised car can add extra interest and value in the vehicle. However, it can also make selling it at the end of your term a little bit more difficult.
Should I mod my car myself? ›
DON'T – make a car modification yourself
Even though you might think your mechanical skills are up to scratch, the risk isn't worth it if you're making changes to your car's engine or to some of its key components.
- Air Filters. The cheapest way to add some power to your car is generally to fit a performance air filter. ...
- Lowering Springs. ...
- Wheels. ...
- Tyres. ...
- Software. ...
- Intercoolers. ...
- Exhausts. ...
A policy or other contract that has no legal validity is described as void. When an insurance company voids a life insurance policy, it is usually due to the discovery of misrepresentation of material facts by the person insured.Does painting your car affect insurance? ›
This is because the changes affect the value of your car, which is one of the things insurance companies look at when figuring out your price. Getting your car painted a new colour, for example, could make it more attractive to thieves and increase the risk of it being stolen.Does window tint increase insurance? ›
Will tinted windows affect my car insurance? Generally, tinted windows do not cause higher insurance premiums. However, different companies can have different rules, so it is important to check with your insurance provider to see whether tinted windows require a change in your policy.Are tinted windows a modification? ›
Are tinted windows a modification? Yes, any tint counts as a modification. If you do add a tint, this should remain within the legal limits – too dark, and they could be considered illegal.What are the 3 types of car insurance? ›
- Liability coverage. Protects you if you cause damage to others and/or their stuff. ...
- Collision coverage. Covers your car if you hit another car, person or non-moving object (like those darn ornamental rocks cousin Todd has at the end of his driveway). # ...
- Comprehensive coverage.
How to get Lamborghini car insurance.
|Insurer||Online Lamborghini quotes|
Extended Warranty For Modified Cars. While not the best provider overall, CarShield can be viewed as a modification-friendly provider because of specific coverage features like their “specialty” coverage plan, month to month coverage, and low cost comprehensive options.Is it illegal to modify your car? ›
Contrary to popular belief, no! Not all car modifications are against the law. While many mods might land you with an MOT failure if deemed obstructive or excessive, it is possible to modify your car in many ways while remaining on the right side of the law.
Is it OK to modify a car? ›
You can install cool upgrades or make modifications to your vehicle as long as you comply with the rules and laws of the land. Breaking the law can have serious consequences.Does a dash cam count as a modification? ›
Impact on car insurance
This depends on your provider as well as each individual policy, so you should always check with your insurer. On the other hand, beware that installing a dash cam could be classed as a modification by some insurers, which could potentially result in higher premiums.
There are countless ways you can modify your car. A paint job, engine mods to make your car go faster, or other features that make your car more safe and secure. Either way, one thing all car modifications have in common is that they will affect the price you pay for your car insurance.Do bull bars affect insurance? ›
Crash characteristics of bull bars
Fitting an illegal bull bar comes with some serious penalties, especially if you cause injury or death in an accident because of the bull bar. Your insurance company might not accept your claim because you will have an illegal accessory fitted.
- Wrapped parts such as dashboard or chrome trims.
- Replacement steering wheel (sports steering wheel, for example)
- Badges that are not fitted by the manufacturer (the ones that make the car look higher spec than it is)
- Tinted windows.
- Roof racks.
- Upgraded headlights (LED's)
The cost of this modification ranges approximately from ₹ 10,000 to lakhs.What state has the strictest car modification laws? ›
Which state has the strictest car modification laws? In America, California has one of the stricter car modification laws, Top Speed reported. Below are some of the aspects that California laws govern when it comes to vehicle modifications.What happens if you don't tell insurance about modifications? ›
If you don't declare all modifications to your insurer and later need to make a claim, your policy could be declared invalid. The insurer may refuse to pay out or give you a reduced rate.Does modifying your car devalue it? ›
While some modifications simply devalue a car, some also affect the likelihood of a sale. Consider things like wonky wheels and lowered cars, which for someone to revert to factory, may cost them a lot.Does changing your exhaust affect your insurance? ›
Engine and Mechanical Modifications: Any changes to the engine or mechanics of the car (like the exhaust, brakes or transmission) must be declared as these changes will affect your premium.
Can insurance tell if a car is tuned? ›
Motorists often ask, “can insurance tell if a car is remapped?” The answer is no, but they may find out. Insurers don't inspect cars before giving them cover, so, in reality, your insurer won't randomly check your car for remapping even though some policies may say the insurer can inspect a vehicle if they want to.How modifications can affect insurance? ›
Every change or modification done to your car affects your policy. If you inform the insurance company you may have to pay an additional amount. However, if they are not informed, the insurance company will view it as a fraud and that may create problems for you especially if you are making a claim.What should I not tell the insurance company? ›
Blog / Personal Injury / What Should I Not Tell My Insurance Company After an Accident? After an accident, you shouldn't admit that you caused it even if you think that's true. An admission of fault, no matter how well-intentioned, could jeopardize your right to damages. You also shouldn't give a recorded statement.What should I not tell my car insurance adjuster? ›
Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”Why you should not modify your car? ›
1: You won't be driving your car at its limit at first, so don't worry about making it faster. 2: You don't need more horsepower. 3: Modifying safety components creates a domino effect that can quickly and expensively transform your daily driver to a track only car. 4: It may become harder to drive.