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We at Cuuver can appreciate that some questions about comparing car insurance prices are a little too boring to be asked, but they can be thought.
That’s why we’ve compiled the following simple answers to questions frequently thought, about finding cheap quotes when comparing modified car insurance.
This should not be constructed as advice and is guidance only.
What is a car modification?
A car modification is a change made to a vehicle so that it differs from the manufacturer’s original factory specification.
The changes can be made to improve performance, aesthetics, or be purely functional.
How do modifications change the price you pay for car insurance?
Insurance is based upon risk, and when quoting for cover insurers use a number of factors before arriving at a price.
Car modifications can seriously affect how insurers assess your car insurance policy in two key areas:
- Risk of Accident – Modifications that change the look and performance of your vehicle are assessed by insurers to be a higher accident risk. These include engine changes, sports seats, body-kits, spoilers, etc.
- Risk of Theft – Some modifications, such as phone kits or performance modifications, also increase the chance that your vehicle is broken into or stolen.
Will increasing my voluntary excess effect my premiums positively?
Certain people decide to raise the voluntary excess of their modified car insurance, this can drop the cost of your insurance premiums. Although this can be a risk in the event of an accident, you will have to pay a higher voluntary excess fee to the insurance company.
A simple way of explaining this is to think of your voluntary excess as placing a bet, on whether you will have to make a claim or not. The higher your voluntary excess the higher the bet. Make sure you can afford to pay your voluntary excess should you ever need to claim on your insurance policy.
What types of modified car insurance are there?
As with standard car insurance, there are three types of car insurance policy to choose from:
- Third party only – this is the minimum legal requirement. It only covers the cost of compensating other people for injury or damage done by you. It doesn’t provide you with any financial help for injury or repairs to your vehicle.
- Third party, fire and theft – this covers the cost of damage or injury to third parties, but it will also give you compensation if your car is damaged due to fire or theft or if it is stolen.
- Comprehensive – as the name suggests, this will cover you for third party, fire and theft as well as damage caused to your vehicle. It could also include compensation for a number of things such as medical treatment, legal expenses and accidental damage.
It’s also worth knowing that the typical car insurance policy lasts for 12 months and will need to be renewed each year. Your insurance might automatically renew when it’s about to expire, so remember to come back to cuuver.com to get the deal that’s right for you.
Do security modifications differ?
Not all modifications will result in higher car insurance premiums. If for example, you are installing additional security measures to prevent your car from getting stolen, such as an alarm, then you may see your premiums fall as a result, as you will be considered lower risk by your insurer.
The same goes for tracking devices and immobilisers, but again, before making any changes, check how much of a reduction you may see in your modified car insurance premiums before proceeding.