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Modified Cars and Insurance - Small Changes That May Cost

April 11, 2012 | Comments: 0 | Views: 258

However, these engine enhancing and appearance modifications are not the only changes that insurers will consider as a modification. Anything that alters your car from its manufacturer's specifications can be considered a modification and should be notified to your insurer to avoid invalidating your car insurance.

Minor Matters

Small and seemingly harmless changes to your car that could fall under the modification heading include:

Tinted Windows

Car Phone Systems

New Seats

New Paint Work

Not all of these will attract significant increases or involve specialist modified car insurance. However, before making the changes talk to your insurer and if necessary indulge in some comparison shopping if you think your new quote is excessive.

Cost Cutters

Some modifications will help to reduce the cost of your insurance and these include:

Alarm Systems and Immobilisers

Tracking Systems

This type of modification is viewed favourably by insurers so notify them as soon as they are fitted to get a reduction on your premium as soon as possible. Again, comparison shopping is a good idea at this point - as you may find even bigger savings elsewhere!

Searching For Savings

Modified car insurance needn't break the bank. If you are making the car more valuable by enhancing it, it could affect the insurance premiums, so by combining added security measures at the same time you may be able to balance out the cost. Performance enhancing measures are most likely to be costly when it comes to modified car insurance. These can have the effect of making the car more valuable, more likely to be involved in an accident and increase the risk of theft.

This combination of factors can make finding modified car insurance for performance modifications more difficult and costly. Comparison shopping here is the best way to get a good range of quotes. Not all comparison sites compare the same insurers so try using several comparison sites and specialist insurers. Specialists can offer good deals as they recognise the fact that owners of modified cars are real enthusiasts who have a vested interest in taking care of their cars.

Though it can be time consuming, finding a good deal on modified car insurance is not impossible and by shopping around and comparing modified car insurance quotes you will be able to find a deal to suit your car.

Even small changes to your car can mean that you will fall into the modified car insurance category. Before making changes always confirm with your insurer what the added cost will be and consider comparison sites to search for competitive quotes.

Anthony Saxon is financial content writer currenlty working in the insurance industry for http://www.tiger.co.uk. Tiger is one of the leading modified car insurance comparison sites in the UK and our focus is to find the right insurance policy for the right price. You can compare over 140 of our insurance partners to find the best deal and save money.

Source: EzineArticles
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