The charm of customizing your car is undeniable. From adding a new sound system to upgrading the engine, there are countless modifications you can make to give your ride a unique flair. However, before you start tinkering under the hood, it’s important to consider the potential impact on your car insurance premiums.
Any modification, no matter how small, has the potential to change the value or performance of your car, which could increase the risk of accidents or theft. As a result, it’s essential to let your insurer know about any changes you make, even if they were on the car when you bought it.
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When you inform your insurer about modifications, they can tell you if there are any changes to your coverage and how much your premiums will be affected. For instance, if you install a new air filter or remap the engine, your insurance premiums are likely to increase as these modifications improve your car’s performance.
Similarly, changes to the bodywork, both interior and exterior, can also affect your insurance premiums. Even small changes such as adding a spoiler or new alloy wheels could increase the risk of theft or accidents, resulting in higher premiums.
Any car tint counts as a modification, and in the case of an accident, you could lose your insurance
Another modification that could invalidate your car insurance policy is tinted windows. Any tint added to the windows counts as a modification, and if it’s too dark, it can 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. If your car was first used before 1 April 1985, it needs to let 70% of light through both the windscreen and front side windows. If you add tints that fall outside these legal limits, you could be at risk of having your policy invalidated.
It’s worth noting that not all modifications will affect your insurance premiums. If you install software updates that improve the car’s performance or add new functionality, such as adaptive headlights, you should inform your insurer. However, software upgrades that improve the infotainment system or similar do not require notification.
In summary, modifying your car can be an exciting way to personalize your ride. However, it’s crucial to consider the potential impact on your car insurance premiums. Always inform your insurer about any changes you make, even if they seem insignificant. By doing so, you can ensure that you’re fully covered and avoid any unexpected costs.
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