Do I need to tell my insurer about modifications?
Yes. You must declare any modification to your car, whether for performance, appearance or even some accessibility changes. Failing to do so can invalidate your policy.
Why and what to declare
A modification is any change from the manufacturer's standard specification, made before or after you bought the car. Insurers need to know because mods can affect performance, value or theft risk.
Commonly declarable changes include:
- Engine or performance upgrades (remaps, exhausts)
- Alloy wheels and suspension changes
- Body kits, spoilers and paintwork
- Upgraded audio or tinted windows
- Tow bars and some accessibility adaptations
Some modifications can raise your premium, but security upgrades like an approved alarm may lower it. Either way, declare honestly — undeclared mods can lead to a refused claim or cancelled policy.
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Do I need to declare modifications made by a previous owner?
Yes. If the car differs from the manufacturer's standard spec, you must declare it, even if a previous owner fitted the modification.
Will declaring modifications always increase my premium?
Not always. Performance mods often raise the price, but security improvements such as an approved immobiliser or tracker can sometimes reduce it.
Does a tow bar count as a modification?
Yes. A tow bar is a change from standard specification and should be declared, even though it's a common and practical addition.