Cars are often fitted with accessories or modified after leaving the manufacturer.

These changes should be disclosed when arranging Private Motor Insurance.

What types of accessories should I tell the insurer about? #

Examples can include:

• Bull bars.
• Tow bars.
• Roof racks.
• Canopies.
• Upgraded wheels.
• Entertainment systems.
• Driving lights.
• Dash cameras.
• Other added equipment.

Some standard accessories can already fall within the policy definition, while others may need to be specifically noted.

What is considered a modification? #

Examples can include changes to:

• Suspension.
• Engine performance.
• Exhaust systems.
• Bodywork.
• Wheels and tyres.
• Vehicle height.
• Other manufacturer specifications.

The insurer needs to decide whether it will accept the modified vehicle.

Does a modification increase the vehicle’s insured value? #

It can.

Expensive modifications or accessories may increase the amount required to replace the vehicle or equipment.

However, the amount spent modifying a vehicle does not necessarily increase its market value by the same amount.

Can an insurer refuse certain modifications? #

Yes.

Insurers have different appetites for modified vehicles.

Some modifications may:

• Be accepted.
• Require additional premium.
• Need to be specifically listed.
• Result in referral.
• Fall outside the insurer’s appetite.

What if I modify the car after taking out the policy? #

Tell Webber Insurance before or promptly after making a material change.

Do not assume the existing policy automatically covers the modified vehicle.