CAR INSURANCE QUOTES for MODIFIED CARS

- Finding low car insurance quotes for modified cars -

Here is a long delayed article on an often be ignored facet of Car insurance. Car insurance - all policies state "Has the car been modified, changed or adapted from the factories indigenous specs or has it been tuned. All insurers need to know if a car vehicle has been modified. The stats of the insurers usually show that modified cars are involved in more claims, not just accidents but there is a larger possible tilt of the car being stolen.

There is also the probability that lower suspension or wider wheels could harmly affect the handling of the car so the model they rated and gave a group to does not apply to your unique vehicle. So an underwriter needs to agree 'terms' of cover. Even stickers could represent a 'Moral hazard' to the insurers.

Failure to notify insurers could render your insurance invalid leaving you to face prosecution for failure to buy adequate car insurance for your vehicle or if a claim is paid on your behalf they could well ask for reimbursement of amounts paid out for you so even if you are Third Party Only you could lose out. For more details visit : Car insurance quotes for Modded cars

- Car Insurance - notification of modifications -

When getting car insurance a little paranoia is a good thing. Always keep a copy of all correspondence sent/received in response to a modification being notified to your car insurers. It is helpful if you can detail every modification and even supply a rolling road printout to allow the underwriter to assess your car.

Some car insurers may offer car insurance quotes at normal terms (no extra premium), Apply terms (extra premium, & or higher excess & or agreement to replace modified parts with standard parts.

State honestly what you have done to your car insurance company when you get a quote but think about how you disclose the modifications. For example you might note that a SPORTS EXHAUST is the same thing as a 3inch bore stainless steel exhaust with a 25 year guarantee. (One sounds much better to an insurer than the other.)

As does the difference between a high performance air filter and washable direct replacement air filter. If a chip increases MPG state this as your primary reason for upgrading rather than mention this as a side effect and then state that it also gives slightly more power as a secondary reason. Car insurance companies, contrary to popular belief to want to insure people they just don't like taking on too much extra risk and most of the decision making is done by a person who reviews each case on its own merits.