The Answer is Yes
You like your automobile. and also you need it to be the excellent it may be. however making friends and foes jealous does come at a charge. Any amendment that adjustments the car from how it become while it left the manufacturing facility, may want to have an effect on the fee of your cheap car coverage. The modifications don’t need to be considerable both, even really converting your car’s license plate, amusement system or sat nav should add kilos to the price.
however the extra intense the trade, the extra the ability impact. changes like alloy wheels, spoilers and tinted windows can add to a coverage. greater pricey adjustments together with faster charging an engine, changing the transmission or new bodywork, inclusive of bonnet bulges or flared wings, will in all likelihood boom your top rate too.
What Will Cost Me
If you’re increasing the value of your car with modifications, then claims you make may be higher, as it tends to be more expensive to repair or replace parts.
There’s also the potential increased risk of Claiming. You may have made your car faster, and so could be more likely to be in a speed related accident.
Your gorgeous machine may also be at greater risk of theft, particularly if you’ve had expensive tech installed, or you’ve modified its performance to make it turbo powered.
Insurers could also assume that any additional work done to the mechanics or structure from the original spec cannot be guaranteed and may affect the car’s integrity.
Also, if you are a Younger Driver and want to transform your little run-around into a beast we’re afraid there is a higher chance your premiums will increase more dramatically. Statistically, this is because young drivers are more likely to claim on their car insurance.
Specialist Car Insurance Quotes
There are tons of ways to personalise your pride and joy, from body kits to performance chips. And if you’re tempted to tinker, you should look into a modified car insurance policy.
Cars fit into one of 50 insurance rating groups to help insurers work out a price. But any modifications to your car mean it may no longer conform to that original insurance group and could invalidate a normal insurance policy; so a modified car insurance policy will cover you for even small changes.
These Changes to Your Car Will Not Effect Your Car Insurance Quote
- Furry dice
- A beaded seat cover
- A bobble head character
- Cuddly toys on the back seat
- A novelty air freshener
Adding Security will Lower Your Insurance Quote
Good news is that not all modifications will increase your premiums. Adding security modifications to help prevent your car from being stolen such as an approved alarm, immobilisers or tracking devices, could actually give you a cheaper premium.
More Ways to Lower Your Car Insurance Quote
- Park in a garage
- Reduce your mileage
- Increase your excess
- Add an additional driver
- Extra driving qualifications, such as Pass Plus
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