Always Declare Modifications Warns Car Insurance Comparison Website

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When buying car insurance, always declare any modifications, warns popular car insurance comparison website If a driver needs to make a claim and the insurer finds that their car had modifications that were not declared when the car was insured, they will almost certainly not pay out and potentially leave the driver open to prosecution for fraud.

Declare Modificatoins to Your Insurer

Declare Modificatoins to Your Insurer

some insurers will not cover a car with modifications and others will charge a substantial amount extra

It is often harder to find a good modified car insurance quote than it is a standard car insurance quote, some insurers will not cover a car with modifications and others will charge a substantial amount extra to insure them. Recent research carried out by showed that just adding alloy wheels to a to a 2 year old VW Golf (driven by a 35 year old male with a clean driving licence) can add as much 13% to a car insurance premium, adding a performance modification such as a tuned engine could put this driver’s insurance premium up by 67%. This rise in premiums was even more noticeable for younger drivers, a 25 year old driver with the same details and a tuned engine could see their insurance premium go up by 76%.

With such premium rises there is always a temptation for a driver to leave modifications undeclared. However, the consequences of doing so can be severe, should the driver be involved in an accident and undeclared modifications are discovered, their insurance may be invalidated, which could not only leave the driver severely out of pocket but also open to prosecution for fraud. Furthermore, if the insurance company refuses to pay out and the driver needs to buy insurance in the future, other insurance companies may be wary of providing them with insurance.

Andrew Goulborn, Commercial Director at commented, “Finding cheap modified car insurance is always going to be tricky, however, it’s not impossible especially if you use a website like to compare car insurance. While it could be tempting to overlook your modifications when filling out your car insurance form we urge drivers to be honest, if the insurance is going to be too pricey it might even be worth having the modification removed. Having insurance claims refused can cause serious headaches for drivers, not only will they be liable to pay for damage from their own pockets but they will be open for prosecution and will find it hard to get insurance in the future.”

About is a trading name of Call Connection Ltd. is a UK based, independent car insurance comparison site, offering insurance quotes from over 150 motor insurance brands. Call Connection Ltd is authorised and regulated by the Financial Services Authority (number 308374).

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Jo Buck
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