Modifications To your Car
If you are making modifications to your car, you might want to hold on to that thought and read what we have to say about how it can affect your car insurance.
It is very tempting to customize your car according to your requirements. Adding wide wheels, tweaking up the engine, customize the bodywork, there are a plethora of options when it comes to modifying your car.
Customizing your vehicle will influence its performance on the streets, but it can affect your car insurance.
Jeopardizing Your Safety
You need to understand that cars are manufactured after much attention is paid to their design and testing. The prominent aspect when it comes to designing a car is whether it is safe to drive on roads.
This is the reason why cars go through tremendous testing, crash tests, and whatnot before they are passed by the quality control to be sold commercially.
Now, with modifications, you are changing the safety features of your car and jeopardizing your safety.
If you do make specific changes to your car, then they do attract an adjustment to your car insurance policy.
With that being said, let us understand the aspects of your car insurance after modification.
What considered customization?
Modification or customization on your car is referred to as changes that cause a difference to the original factory specifications of the car.
At the time of insurance, the insurer carefully measures the car specifications, and the premium based on the model and specifications of the car.
Some of the car modifications include:
Customizing the engine to increase its power always increases the risk of accidents. People forget that by tweaking the engine, they are only making the car vulnerable to accidents.
Because the body and other features of the car are not designed to withstand high speed. So, making engine modifications will lead to higher insurance premiums.
Changing the wheels of the car that are not per the specifications of the manufacturer is also considered as a modification. While new wheels may enhance the look of your car, it will also increase the premiums of your car insurance.
Brakes and suspensions systems are the most prominent entities of a car. Making changes to them (not recommended) is highly risky. If you even do so, ensure that you avail the services of a quality mechanic.
Modifying the brakes and suspension systems will change the way your vehicle behaves. This leads to the insurance provider re-assessing your premium and writing down a new one.
You can also make changes to the interior of your car that may include the steering, pedals, and even sound system. While it may not affect the premium, you are still supposed to report it to your car insurance provider.
Painting your car may seem okay and safe, but you have to mention it to your service provider. This is because your car insurance provider has all the details of your car that includes the color.
For example, if your car color was red at the time of taking the insurance. You changed the color to black after that and didn’t notify the car insurance provider.
Now, you met with an accident. Your car insurance claim will be rejected. As they will say that this is not your car, your car was red.
Thus, it is essential that you alert your car insurance provider about the tweaking or modifications, to enjoy the benefits of your policy.