Modifications
A modified car is one that had changes made to it that differs from the specifications of the original manufacturer. Modifications can include extra parts or replacement of the original parts. Cars are usually modified to increase the speed of the car such as replacing the original engine or tuning the engine and also replacing the wheels.
When you modify your car it is seen by car insurance companies as a non-standard car and you will no longer qualify for “normal” car insurance. Some car insurance companies will not even take on the risk of insuring a modified car. There are insurance companies that do insure modified cars but be prepared to pay more for your monthly car insurance than what you would pay for a non-modified car.
The main reason for the difference in insurance price is that the assumption is made that cars are modified to increase their speed. Speed equals higher risk – more accidents and more serious accidents – increasing the amount that will be paid out on one specific claim. Do not take the chance to try and insure your car without declaring the modifications you have made; you will be found out sooner or later. An assessor will investigate the damage after an accident or other claim and will soon discover the modifications. This will render your insurance null and void.