We don't allow modifications other than for disabilities, air conditioning, fog lights, parking sensors and tow bars.
Modifications are changes, additions or enhancements made after your vehicle has left the factory, altering it from its original spec.
These changes can affect the car’s appearance, performance, value, or cost to repair or replace.
Modifications we cover:
Disability-relation modifications, such as hand controls or wheelchair access
Alterations made to air conditioning systems, fog lights, parking sensors and tow bars
For van insurance only: signage, roof racks and racking
We don’t cover other types of modifications, including (but not limited to):
Bodywork changes such as spoilers, body kits or side skirts
Suspension or brake adjustments
Cosmetic alterations, including alloy wheels, vinyl wraps or tinted windows
Performance enhancements, such as engine or exhaust modifications
If the modification is on the list of things we don't cover then you should not add this as it could invalidate your insurance cover. Please speak to the team if you are not sure.
You don’t need to tell us about optional extras fitted by the manufacturer when the vehicle was new or first registered.
If you bought the vehicle second hand and you don’t know whether it's been modified, it’s worth checking its vehicle history for anything that was added post sale.