Drivers warned over simple car modifications that could invalidate your insurance – and cost you thousands
DRIVERS are being warned over doing up their motors over summer months with road trips calling for upgrades.
But even small changes count as modifications – if not reported to your insurance company, you run the risk of having your coverage scrapped.
And if you have an accident, the company may not pay out – costing you thousands.
Here are some common car modifications and their effects on insurance.
Tow bars
As bike trips beckon and camping getaways call your name, adding a tow bar could be a great move.
But this changes how an insurance company will look at your vehicle.
If a car has a tow bar, it mean it’s carrying things along and consequently has a greater risk on the road.
Some providers may increase premiums as a result. If they do, it could be worth shopping around.
Roof bars and roof racks
Much like the tow bar, roof bars and racks are a classic summertime addition – but a car featuring them may again be perceived as more risky.
Aside from on the road, it could also increase the chance of theft.
Some insurers may charge a small fee for alerting them of this mod, but ideally they’ll merely make a note.
Window tints
Your car needs to be letting at least 75 per cent of light in on the front windscreen, and 70 per cent on front side windows to be considered legal.
Traffic cops can even carry light measuring equipment and slap motorists with fines, so be careful with how tinted you want to make your windows.
Legal window tinting still has an impact on insurance – it is considered a modification.
Alloy wheels and body work
Motorists keen on sporting a slicker look often opt for alloy wheels.
It’s of course one of the most common modifications, so it’d be wise to notify your insurer.
Hopefully there isn’t a trend of alloy wheel theft in your area – if there is, the premium may rise.
Body kits, meanwhile, may be another fun way to spruce up your vehicle.
But they may not be built to the same safety standards as the original equipment manufacturer, and therefore the insurer’s perception of risk increases.
Engine and performance upgrades
There may be more time to work on your motor as the sun shines for longer, with performance upgrades tempting.
But of course any after-market additions may affect your insurance premium.
That can work to your advantage, however.
Safety upgrades – like those to brakes and suspension, for example, may be given a big tick of approval by your insurer and they may even reduce costs.
