Drivers With Car Modifications Given Warning

When buying car insurance, do not forget to state any modifications, warns a popular insurance comparison website. If a driver has to make a claim and the insurer discovers that their car had modifications that were not declared when the car was insured, the insurer may refuse the claim and the driver could be open to prosecution for fraud. It is often more complicated to find modified car insurance than it is standard car insurance as many insurance providers will not cover a car which has been modified and others will charge a substantial premium. has collected some research showing that adding non-standard alloy wheels to a 2002 Citroen Saxo (driven by a 28 year old male with a clean driving licence) can add as much as 41% to a car insurance premium. Adding a performance modification such as an aftermarket exhaust could put this driver’s insurance premium up by a massive 65%. This increase in premium was even more noticeable for younger drivers - a 25 year old driver with an aftermarket exhaust could see their premium rise by more than £1,000. With premium increases like these there is sometimes a temptation for a driver to avoid declaring modifications. Unfortunately, the consequences of not declaring modifications can be harsh. Should a driver be involved in an accident and modifications are found on their car which had not been declared, their car insurance is likely to be invalidated. This could not only leave the driver severely out of pocket but also open to the possibility of being prosecuted for fraud. Should the insurance company refuse to honour a claim and the driver wants to purchase insurance in the future, other insurance providers will be wary of providing them with cover. Andrew Goulborn, Commercial Director of, commented, “Finding a cheap modified car insurance quote will always be difficult but it is not impossible, especially if you use a website like to compare car insurance prices. Whilst ignoring your modifications when filling out a car insurance form could be tempting, we urge drivers to be honest - and if the insurance is going to be too expensive it might even be worth having the modification removed. Having an insurance company refuse to pay out on a claim can cause serious problems for drivers. Not only could they be forced to pay for any claim from their own pockets, but they could also be open for prosecution and may find it hard to get insurance in the future.”
03/05/2013 11:00:39 Eren
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