DRIVERS are being warned about the need to service their engines during the summer months, with road trips requiring upgrades.
But even small changes count as modifications – if they’re not communicated to your insurer, you run the risk of having your coverage cancelled.
4
And if you are in an accident, the company may not pay – costing you thousands of dollars.
Here are some common car modifications and their effects on insurance.
Tow bars
As bike trips beckon and camping getaways call your name, adding a tow bar could be a great move.
But this changes how an insurance company will analyze your vehicle.
If a car has a tow bar, it means it is carrying things and is therefore at greater risk on the road.
As a result, some providers may increase premiums. If they do, it might be worth shopping around.
Roof bars and roof racks
Just like the tow bar, roof bars and racks are a classic summer addition – but a car with them could again be considered riskier.
In addition to the road, it can also increase the chance of robbery.
Some insurers may charge a small fee to alert them to this mod, but ideally they would just make a note.
Window Shades
Your car needs to let at least 75% of light into the front windshield and 70% into the front side windows to be considered legal.
Traffic police officers can even carry light measuring equipment and issue fines to drivers, so be careful what color you want to make your windows.
Legal window tinting still has an impact on insurance – it’s considered a modification.
Alloy wheels and bodywork
Drivers interested in sporting a sleeker look often opt for alloy wheels.
Of course, it is one of the most common modifications, so it is advisable to notify your insurance company.
We hope there isn’t a trend of alloy wheel theft in your area – if there is, your premium could increase.
Meanwhile, body kits can be another fun way to spruce up your vehicle.
But they may not be built to the same safety standards as the original equipment manufacturer, and so the insurer’s perception of risk increases.
Engine and performance upgrades
There may be more time to work on your engine while the sun shines longer, with tempting performance upgrades.
But of course, any after-market surcharges could affect your insurance premium.
This can work in your favor, however.
Safety upgrades – like brakes and suspension, for example, can get a big thumbs up from your insurer and can even reduce costs.
4
4
This story originally appeared on The-sun.com read the full story
