Customising your car with popular modifications, such as tinted windows, an upgraded sound system, or an engine swap, can enhance its aesthetic appeal and overall performance. However, every modification you make to your vehicle must be declared to your insurer. Failing to do so can lead to serious consequences, including invalidating your insurance coverage.
The experts at InsureDaily explore the most common legal modifications that must be reported to your insurance provider to maintain valid and comprehensive coverage.
Paul Daly, Director of InsureDaily.co.uk, says, ” Drivers can make various legal vehicle modifications, but it’s essential that they declare these to the insurance provider. Failing to do so could invalidate the insurance, leaving drivers unprotected in the event of an accident.
“It’s not widely known, but a few select insurers, such as Safely Insured, cover vehicles with specific modifications.
“However, some changes, like headlight tints that block more than 50% of light, are illegal in the UK and could potentially lead to penalties.”
InsureDaily.co.uk have delved into some of the most common, and legal, car modifications in the UK:
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Tinted Windows
Tinted windows can give your car a sleek and stylish look and offer some added privacy. However, according to UK law, the windscreen must let at least 75% of light through, and the front side windows must allow at least 70%. Exceeding these levels could lead to fines or even penalty points on your driving licence.
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Lowering of the Suspension
Lowering the suspension can improve handling and give your car a unique look. However, extreme lowering could affect the car’s drivability and may, therefore, be viewed as a risk by insurers, potentially resulting in a higher premium.
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Engine Swapping
Replacing the engine in your car can significantly improve its performance. However, informing your insurer about this modification is vital as it alters the car’s original specifications and could affect the insurance premium.
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Sound System Upgrades
Installing an advanced audio and speaker system in your car could increase its value while providing better-quality sound for your road-trip music playlists. This addition should also be declared to your insurer, as it could affect the cost of your premium.
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Supercharging or Turbocharging
Adding a supercharger or turbocharger can boost your engine’s performance. However, this will likely increase your premium as the accident risk increases.
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Bodywork Modifications
Changes to bodywork, such as spoilers or custom paintwork, alter your car’s appearance and potential value. You should report these to your insurer, as they could affect your policy.
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Brake Upgrades
While enhancing brake performance can make your car safer, such modifications need to be declared. Brake upgrades will alter the car’s original specification and can affect your insurance.