Is That Little Upgrade Really Considered a “Modification”?
A new set of alloys. A tow bar for those summer trips. Even a subtle window tint. You might see it as just a tweak; a way to make the car feel more “yours.” But from an insurer’s perspective, it might quietly slide you into a new risk category.
And here’s the kicker: if they weren’t told about it, and something goes wrong, they might refuse to pay out at all.
So What Actually Counts as a Modification?
A modification is any change made to the car that differs from its original factory specification; whether it’s cosmetic, mechanical, or even practical. It doesn’t matter if it’s subtle or dramatic. If the car left the showroom one way and you’ve changed it, that’s a modification.
- Alloy wheels or wheel upgrades
- Exhaust or engine remaps
- Suspension adjustments (e.g. lowering kits)
- Window tints or vinyl wraps
- Body kits, spoilers, or bumper swaps
- Upgraded stereo or infotainment systems
- Lighting changes; from bulbs to full headlamp units
- Tow bars, roof racks, or bike carriers
- Dashcams and tracking devices (yes, even these)
- Interior changes; sports seats, harnesses, etc.
Even dealer-installed accessories might count if they weren’t part of the standard model. That includes “factory optional extras” added after purchase.
How Might It Affect the Price?
That depends on what you've done, and how the insurer interprets the risk. Some modifications might increase the premium; others might lower it.
- Performance upgrades (e.g. remaps, turbo swaps) often mean higher risk of claims
- Cosmetic changes might attract attention; both wanted and unwanted
- Security modifications like immobilisers or trackers might reduce risk
- Tow bars or roof racks might affect handling and visibility
- Lowered suspension could increase damage likelihood on speed bumps or potholes
The insurer’s system might not care about your taste in spoiler design; but it might care about how that spoiler changes your drag coefficient, handling, or theft appeal.
Is It Ever Worth Declaring Even the “Boring” Mods?
Yes. Always. Because what seems boring to you might be a red flag to a claims handler. And if something happens; even something small; any undeclared modification might become a reason to delay, reduce, or deny a payout.
Not declaring a modification isn’t just risky; it might legally void the policy. That’s not worth saving a few pounds over.
Tips for Staying on the Safe Side
- Ask before you install; even if it’s “just cosmetic”
- Declare everything upfront; even if you think it’s minor
- Keep receipts; useful for agreed value policies or specialist cover
- Consider a specialist insurer; if your car’s heavily modified, mainstream insurers might not be the right fit
- Read the policy wording; it might surprise you what’s counted
Final Thought: It’s Your Car; But It’s Their Risk
Personalising your car is part of the joy of owning it. Whether it’s practical, aesthetic, or just something you’ve always wanted to try; that’s your call. But when it comes to insurance, that personal choice becomes a risk profile.
That doesn’t mean you shouldn’t modify. It just means go in with your eyes open. Declare it. Understand the implications. And make sure your insurer sees the car the same way you do; because if something goes wrong, that clarity might be the difference between a smooth claim and a stressful mess.