In a word: yes. If you don’t tell us about any modifications, your policy will be declared void and any claims that you may have made will not be paid out. So, you must let us know before you get any modifications done, so we can assess them and take any necessary action.
Which car is best for modified?
The best cars to modify
- Mini.
- Toyota Supra.
- Ford Fiesta ST.
- Mazda MX-5.
- Ford Mustang.
- Volkswagen Golf.
- Toyota GT86/ Subaru BRZ.
- Jeep Wrangler.
What modifications do you have to declare?
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.
Will my insurance go up if I modify my car?
Any modification will almost certainly affect your insurance, and various car mods will tend to raise your premium. For instance, a substantially enhanced car could significantly increase its value. Or a shinier, prettier car is more likely to be broken into or stolen.
Do AXA allow mods? – Related Questions
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.
Is it illegal to have undeclared mods?
Undeclared and illegal mods
Failing to disclose a modification is likely to invalidate your insurance. This not only means that in the event of a claim you won’t be covered but means you will be driving illegally.
What car modifications are illegal in the UK?
Which car modifications are against the law?
- Neon & tinted lights. UK motoring law specifies that neon lights are not allowed on Britain’s roads in most cases since they present a distraction to other road users.
- Tinted windows.
- Noisy exhausts.
- Spoiled spoilers.
- Certain engine modifications.
Should I tell my insurance company about modifications?
No, you don’t have to tell your car insurance company your car is modified. And if you have just liability coverage, you may not need to. But if you have comprehensive or collision coverage, the modifications you paid for won’t be covered if you’re involved in an accident.
What happens if you have undeclared mods on your car?
If you don’t declare the modifications – regardless of whether the omission was intentional – and you’re caught with undeclared mods, your claim may be refused and your insurance will be void. If you have insurance refused or cancelled, you will find it harder and more expensive to get cover in the future.
What mods can you do to your car without telling insurance?
Okay so what car modifications don’t insurers like?
- 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.
What should I modify first on my car?
Whether the rest of the car will remain stock or not, tires are always the best first step. And if the future potentially holds more modifications of any kind, tires become even more important. After all, there’s no point in investing in a big brake kit if the brakes then become more powerful than the tires can handle.
What happens if you get pulled without declaring modifications?
Your insurance will be void if you don’t declare the modifications to an existing plan. You will be committing fraud if it’s not declared at the point of application as you have not provided accurate information deliberately.
Are parking sensors classed as a modification?
Making changes to your car
This includes parking sensors, roof racks, tinted windows and even a paint job. If you alter your car in any way, you should tell your insurer about the change. This is because some car modifications can affect safety and could make you more likely to have an accident.
Does modifying a car decrease value?
Making modifications to your car can increase its speed and performance, but it can also lower the resale value if not done correctly.
Why do people modify their cars?
Making more power is one popular aim in the modified car scene, but there are a growing number of people looking to improve the efficiency of the engine, which will lead to improved fuel economy and reduced emissions levels.
How expensive is modding a car?
I would say from $50 to $1000+ high class expensive cars make and model must go with high quality parts that lasts. Most newer model sports car get pretty expensive when doing a modification. It depends on your car and modifications you prefer.
Why are muscle cars so loud?
A sports car will typically have a “sports muffler” which is less effective at reducing noise for the sake of improved engine power. Also the engine power being higher will typically mean more “sound power” coming from the exhaust.
Why do guys make their cars loud?
There are several main reasons why certain people like their cars to be loud: it gives them a thrill, they want to show off, there are slight performance increases, and it’s attention getting.