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This is why you need to tell your auto insurance agent about major modifications to your car when you are signing up for car insurance. If you fail to disclose major modifications to your car to the insurance agent, then you could forfeit your right to recover damages to repair your car to the modified condition in the event of an accident.

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For example, if the modification to your car increases its power by 15 per cent, then your insurance premium will also increase 15 per cent. The overall message. Never make a modification to your car before doing your research about whether it’s legal and how such a modification will impact your insurance.

What Are The Possible Modifications That Car Insurers Must Know? Engine modification: These modifications enhance power and speed, and hence increase the risk. Therefore, they can hike your car insurance premium. Wheel modification: Replacement of your car wheels may enhance the look and wheel upgrade may upturn the car’s value.

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