Motorists are being urged to inform their insurance provider before making what might seem like a harmless summer addition to their vehicle. Darren Miller, automotive expert at BigWantsYourCar, has issued a warning for drivers and road users.
Common Misunderstanding About Modifications
Darren warned there is a widespread misconception that modifications only apply to performance upgrades or cosmetic changes. He said: “A lot of people think adding something like a roof box or bike rack is harmless and not worth mentioning, but insurers often class these as modifications.”
“If your insurer has not been informed and you need to make a claim, there is a risk your policy could be invalidated. That could mean you are left covering the full cost yourself,” he added.
Impact on Vehicle Handling
Darren explained: “Adding a roof box changes the way a car handles. It can affect weight distribution, aerodynamics and braking, especially if it is heavily loaded or not secured properly.”
“Anything that alters how the car is used or increases the risk of damage needs to be declared. That includes towing equipment or external carriers, even if they are only used occasionally.”
What Counts as a Modification?
Car modification involves making changes that are not part of the manufacturer’s standard specification. Modifications cover a range of items, from simple changes like alloy wheels or tinted windows to more complex upgrades such as exhaust systems or engine tuning.
Financial Ombudsman Advice
The Financial Ombudsman said: “We’re seeing cases where car owners had to pay a significant amount of money because they unknowingly invalidated their insurance after modifying their car.”
“We’ve also seen cases where car owners told their insurer about the modifications and paid more for their insurance. But when they made a claim, they discovered that the value of the modification isn’t covered,” the statement continued.
“Whether it’s changing alloy wheels for extra style or remapping the Electronic Control Unit (ECU) for better engine performance, not declaring these modifications to your insurer can have serious consequences.”
Often, drivers are unaware that simple modifications, like tinted windows or changing alloy wheels, can lead to higher premiums due to the increased risk associated with those vehicles.
There are usually specific terms or conditions you need to follow if you want to modify a vehicle, to make sure your insurance cover remains valid. Whatever changes you’re considering making to your car, it’s important that you inform your insurer as soon as possible.
