Your question: What mods can I do to my car without voiding insurance?

What mods can you do to your car without telling insurance?

These include:

  • Turbo/supercharging.
  • Bodywork changes.
  • Transmission or gear change.
  • Exhaust modifications.
  • Air filters.
  • Body kits or panels.
  • Specialist paintwork.
  • Uprated brakes.

Does modding a car void insurance?

According to, not listing modifications on your policy can void it due to material misrepresentation. This can lead to you having to pay a claim out of pocket. It could also mean your insurance company will not pay to replace your vehicle, even if it is totaled or stolen.

Do modifications void insurance?

Generally speaking, any modifications you make that result in you breaking the law will void your insurance.

Do mods void gap insurance?

If you’ve modified, or are planning to modify your vehicle in a manner that will affect its performance (think: over-clocking, lowered suspension etc) then it’s unlikely our GAP insurance policies will cover you thereafter.

Does painting calipers void insurance?

Painting calipers does not in any way affect anything which could cause an accident, increase or decrease the likely hood of fire or theft, or alter the cost of repairs to bring the car to a factory serviceable condition.

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Can police see if you’ve declared mods?

Yes they can check. Many many random police checks here in coventry. Been stopped a few times, each time they come back to me with a print out of all my mods i have declared!

What happens if you don’t declare mods on insurance?

If you don’t declare the modifications – regardless of whether the omission was intentional – 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.

Does ECU remap void insurance?

Yes, you need to tell your insurance provider if your car engine has been remapped. … If you don’t inform your insurance provider, it could invalidate your policy and you may end up in trouble for hiding information. Car engine remapping could mean a rise in the cost of your car insurance premium.

Do I have to tell my insurance about mods?

You must declare any moderations to your insurance company, whether they were made by you or already present when you bought the car. Sometimes modifications don’t affect the price but need to be detailed on your policy regardless.

Is a dashcam a modification?

If you’re involved in an accident, you can use your dash cam footage to provide evidence that a third party is in the wrong. … On the other hand, beware that installing a dash cam could be classed as a modification by some insurers, which could potentially result in higher premiums[5].

Does changing exhaust affect insurance?

Exhaust – changing the exhaust system could enhance the performance of the car. Any changes to the original performance can affect the speed of your car, and insurance providers see this as a risk.

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Does painting alloy wheels affect insurance?

If you upgrade your alloy wheels or even paint them, this could cause your insurance premiums to rise. This is because they make your vehicle more attractive to would-be car thieves, and the theft of the alloys themselves is a common insurance claim.

Is it illegal to not declare mods?

You will be committing fraud if it’s not declared at the point of application as you have not provided accurate information deliberately. Some insurance companies will outright refuse to insure modified vehicles at the point of application or even if you’re calling to update them about the mods.

Does adding a spoiler increase insurance?

Pushing up the premium

Changes are only likely to increase your insurance if they increase ‘risk’. This means anything that could make you more likely to make an accident. Engine upgrades, spoilers and bumpers are all examples that could make your car riskier and mean you’ll pay higher premiums.

Do I need to tell insurance about alloy wheels?

If your vehicle’s alloy wheels were fitted by the manufacturer, they’ll be covered and you don’t need to tell us about them on your insurance policy. If the alloy wheels were not fitted by the manufacturer, but were fitted later, you must tell us about them on your insurance policy.