Will I be able to insure my custom car fully?

How can I make sure that all of my car upgrades will be appropriately covered? My new 2021 Mini Cooper will be delivered any day now and I need to make sure I have insurance when it is delivered. I custom ordered it from the manufacturer in Starlight Blue, dynamic dampener, sports seats, media system and more.

Answer provided by
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Shannon Martin
Answered on Jul 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Congratulations, your new car sounds amazing!
Since your vehicle is being custom ordered from the manufacturer, you won’t need to make any special changes to your insurance policy. All of the modifications will be translated through the VIN that is created for your car.
Customizations made aftermarket may require an endorsement be added to your car insurance policy for additional coverage. These modifications include:
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