Do I need to tell you about any modifications or accessories to my car?

Modifications are alterations made to the manufacturer’s standard body, engine, suspension, wheels or paintwork of your car which may affect its performance, value, safety or appearance.

Because we cover all legal modifications and accessories fitted to your car, there’s usually no need to list them on your policy. If you choose to insure for an amount covered, just ensure the amount you cover your car for is enough to also include the value of the insured accessories and modifications. If you choose to insure for market value (and we agree), the value of all insured accessories and modifications will be included within your vehicles market value, which we determine at claim time.