Car Modifications
Automotive

Do Insurance Companies Check Car Modifications?

It is risky for car owners to alter sensitive car systems. They are erroneous if they think they can blame car manufacturers or claim insurance companies afterward and can get away with it. The car manufacturers know their job and purposively fix the settings, and if you try to amend them, you do it at your own risk. The warranty for the car culminates the moment you make the modifications in your car. So are the policy changes you may face from the insurance companies. Now, many people ask whether or not the insurance companies check for car modifications. And is it really important to take the insurance company in confidence before the modifications? Let’s answer some of the frequently asked questions related to it.

Do Insurance Companies Check Car Modifications?

Before doing any modifications to the car, it is always crucial to consult the insurance companies to check how it may affect the premium. But about the question of whether or not they assess the car modifications, it is vague. Because, of course, they will not come to your door for the inspection, but if you cause an accident, it will come to their notice, and you will end up paying out of pocket. The responsibility of car insurance is to financially support you related to the charges you are liable for. But if you do not declare them, you will risk your insurance being void. 

Modification for Insurance Companies:

Definition of Modification for Insurance Companies:

Any car that has been altered and changed from the original standard is a modified car. It can be anything including suspension upgrades, paint jobs, reinstalling the engine, or installing turbochargers, etc. 

Do You Need to Inform Insurance Company About Modifications?

The UK law makes it mandatory for car owners to inform the insurance companies about the modifications. It is better to inform the company before the modifications because you will learn about the changes in policy and premium changes. The law even asks you to declare the modifications that you did not have done on your own. If you have bought a second-hand car and you suspect any changes you can get it checked by a mechanic and declare to the insurance company. Sometimes the insurance companies cover the modifications if you inform them before making mods. Sometimes you have to get a specialist policy if the insurance company does not cover modified vehicles. 

Most Common Modifications and Impact on Insurance Premium:

ECU Remapping:

The most common practice nowadays is an ECU (Engine Control Unit) remap. It is the process of altering and re-writing the software of the car that monitors the engine. Customize car remapping or remapping from a non-verified company can jeopardize the reliability of the engine. Later, you cannot claim on the car manufacturing company for faulty or insurance company for compensation. ECU remap is not a bad idea, but one should do it from the best remapping companyIt is more likely that the car insurance premium will increase with a remap. If you do not inform the insurance company about the remap, then the insurance policy will invalidate. 

Cold Air Intake Modification:

Cold air intake modification is another common engine modification that people do to their cars. Cold air intakes filters modification enhances the access of cooler air to the engine compartment for combustion. Altering it is not an eminent modification yet, it must be reported to the insurance company. It may lead to increased car insurance premiums but, that would not be a lot. 

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