Car Modifications That Should Be Disclosed to Your Insurance Provider

For many automobile enthusiasts, personalizing their vehicles with modifications is a passion. But did you know that certain car modifications can impact your car insurance policy? Let’s explore the modifications that you should report to your insurance company.

Car Insurance for Modified Cars

Car enthusiasts often modify their vehicles for enhanced performance or unique appearance. It is important to remember that some car alterations can impact your insurance coverage. To ensure you are adequately protected, here is what you should know about car insurance for modified cars.

1. Performance Enhancements

Modifications like engine upgrades, turbochargers, or exhaust system changes can affect your insurance premiums due to increased accident risk. Informing your insurer is essential.

2. Suspension and Brakes

While changes to suspension and brakes can improve handling, they can also impact your car insurance coverage. Failure to notify your insurer could lead to issues during claims.

3. Exterior Changes

Custom paint jobs or body kits can alter your car's value. Not disclosing these changes might result in inadequate compensation in case of an accident.

4. Audio and Entertainment Systems

Adding an advanced audio or entertainment system to your car can be tempting but these upgrades can increase the risk of theft or vandalism. By informing your insurer about these modifications, you can ensure proper modified car insurance coverage for these additions.

5. Aftermarket Wheels and Tires

Upgrading the wheels and tires of your car for better performance or aesthetics is a common modification. However, changes in tire size or type can impact the handling and safety of your vehicle. It is crucial to let your insurer know about these changes, as they can affect how your car responds on the road.

6. Security Features

While not all car modifications have negative implications, adding security features like alarms, immobilizers or tracking systems can often reduce the risk of theft. Many insurers offer discounts for such safety upgrades, so be sure to inform them about these enhancements to take advantage of potential savings.

Failure to inform your insurer about these car modifications can lead to potential coverage gaps or even policy cancellations in the event of a claim. To avoid complications, it's best to be transparent about any changes to your vehicle.

To know further details of car insurance for modified cars. Get in touch with us today.

You can also learn about bike insurance and get clarity when it comes to deciding between an annual or multi year bike insurance policy.

Renewing Your Car Insurance

Inform your insurance company about any modifications at the time of policy renewal to avoid claim issues. Liberty General Insurance offers a smooth renewal process and allows you to retain your no-claim bonus from any insurance provider.

Depreciation Cover as Add-On

Opt for a depreciation cover as an add-on to protect against the impact of depreciation on replaced parts. This ensures better coverage for modified parts, reducing out-of-pocket expenses during claims.

Why Liberty General?

Choose Liberty General Insurance for your modified car insurance for these benefits:
1. Hassle-Free Claims: Access to over 4300 network garages for inspection and cashless claims.
2. Seamless Claim Assistance: Dedicated support available 7 days a week. .
3. Additional Protection: Options like zero depreciation cover for enhanced protection. .
4. Efficient Customer Support: Prompt telephonic assistance for all your insurance needs.

Choose Liberty General Insurance for comprehensive coverage and peace of mind for your modified vehicle.