Should I tell my insurer about modifications to my car, and if so, will it raise my rates?
I like doing modifications to my vehicle, but I'm not sure if doing so will affect my insurance rates. Should I tell my insurance company about the modifications I plan on doing?
Answer provided by
Answered on Apr 13, 2021
“Modifications to your car can tailor your driving experience to your styles and preferences. But in terms of car insurance, you should always let your provider know about these modifications, though minor modifications (such as aesthetics) generally don’t need disclosing.
If you fail to disclose mechanical, frame, or other major modifications, your car insurance company could deny a claim if you get into an accident.
In most cases, making modifications to your car will raise your rates. This is because insurers have found that drivers who make modifications are more likely to file a claim.”
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