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A car modification is any change that makes your vehicle different from the manufacturer’s standard specification.
Put simply, if you’ve changed something on your car, there’s a good chance it counts as a modification. And if it’s not how it left the factory, it’s worth letting your insurer know – even if it seems minor.
Common examples include alloy wheels, suspension changes, tinted windows and custom paintwork.
What counts as a modification?
When you get a quote, you’ll be asked if your car has any modifications.
It’s important to remember that this doesn’t just include changes you’ve made yourself. For example, a previous owner may have added tinted windows or upgraded the wheels – and you’ll still need to declare these.
If you’re ever unsure, it’s always best to check.
Examples of car modifications
Every insurer has their own definition of what counts as a modification. But to give you a clearer idea, here are some common examples:
1. Performance modifications
These affect your car’s power and how it drives:
- Engine upgrades (e.g. turbochargers or remapping)
- Exhaust system changes
- Air intake upgrades
- Brake upgrades
2. Handling and mechanical changes
Anything that alters how your car handles:
- Suspension upgrades or lowering
- Steering or drivetrain changes
- Wheel and tyre upgrades (including alloys)
3. Interior modifications
Changes inside your car:
- Sports seats or custom upholstery
- Steering wheels, pedals or gear knobs
- Infotainment or sound system upgrades
4. Technology and software changes
- Additional software features beyond standard manufacturer updates
- Aftermarket tuning or driving software
5. Safety and security modifications
These can sometimes increase, or decrease, your premium:
- Alarms and immobilisers
- Tracking devices
- Cameras or parking sensors
6. Accessories and minor changes
Even small additions can count:
- Roof racks or tow bars
- Non-standard parts replacing original components
The bottom line
Remember, if your car is different from how it left the factory, it’s likely to be considered a modification.
Let your insurer know about any changes you make. If you don’t, it could affect your cover — and it’s always better to be on the safe side.
