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Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.
Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.
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Most car insurance companies don’t cover modified vehicles. This is why modified car insurance policies exist. Some policies won’t cover modified cars at all. Others will cover modified vehicles the same way they cover other vehicles. However, only a few will cover modified cars if they clear that modification policy.
The policy covers any modifications affecting the car’s value, safety, handling, or appearance. The typical modification policy also limits the changes and what they do. For example, it may limit the kind of engine, the horsepower, the number of wheels, or the use of nitrous oxide.
Changes to a vehicle that increases the horsepower, capacity, or weight are not covered.
The modification policy may also say what tests are needed to determine a modified vehicle’s value, safety, handling, or appearance.
The standard policy covers any modifications that don’t affect the value, safety, handling, or appearance.
Modified car insurance covers modifications you have made to your car. The insurance company will often have a list of the types of modifications that are covered.
Standard insurance policies usually do not cover modifications like custom paint jobs, custom wheels, and oversized tyres because these changes are primarily for cosmetic reasons.
However, if you install an alarm system or GPS device in your vehicle, this modification will likely affect your insurance rates. These modifications aim to prevent theft and accidents but can increase your risk of filing an insurance claim.
Some modifications, like safety devices, may raise or lower your insurance rate. A vehicle’s airbags, anti-lock brakes, or traction control system may reduce the insurance rate. Conversely, installing more powerful brakes or running a larger engine will raise your rates.
It is essential to note that the insurance company will only pay for the modifications that increase your vehicle’s safety. If your car is modified to make it more dangerous to drive, the insurance company will generally not pay for it.
Modifications to engines are usually not covered by standard insurance policies. For example, if you install a new exhaust system, your insurance company may not pay for it. The insurance company will only pay you for modifications that apply to safety.
Before buying car insurance, you should review your insurance policy to see what modifications are covered and not covered by the policy. You should then either find a company that will cover all your changes or make sure the company will cover those that are important to you. Click here to check which modifications are legal in the UK.
Remember that if you file a claim for an accident caused by one of your modifications, your insurance company may deny the claim. For this reason, carefully considering which modifications you make to your vehicle is essential.
Insurance can seem costly when you need to cover a modified car. We know how important it is to protect every part of your prized vehicle. Insuro makes it easier to find and compare competitive deals on specialist modified car insurance.
Insurance costs can quickly mount up when you are covering a modified car. If you see you can save money on modified car insurance deals with Insuro, through Quotezone. Customers were quoted less than £350* for car insurance when they used our online comparison tool.
You might also be able to save money when you search for car insurance with us. Enter your details now to search for impressive quotes.
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