Car Mods Can Increase Premiums

Published: 7/5/2010

A word to the wise comes from Direct Line with a reminder that any modifications made to a vehicle change the risk profile and therefore the insurance premium.

Lots of car owners are making changes to their vehicles now, personalising them with new wheels, sound systems and much more. Drivers are advised by Direct Line to get in touch with their car insurance provider to let them know about these modifications and enable them to recalculate the premium. If this is not done then the vehicle insurance could well be invalid should a claim be made.

A Direct Line spokesperson did say that modifications that improve the safety or security of a vehicle would not usually see premiums increased, though most mods are usually about enhancing the looks or performance of a vehicle and so would incur costs.