Does my Standard Insurance cover customization to my Car?

  • 2022-10-07

You probably have a lot of feelings for your one-of-a-kind automobile. And you'd be dishonest if you said you never upgraded a few things after having a car for a while. Once you have an automobile, protecting it with insurance should take precedence over anything else. Visit here if you're interested in the finer details of insurance for modified or customized vehicles.

What kinds of changes are covered and what types of changes aren't covered by a typical insurance policy

Ordinary plans do not cover aftermarket additions and alterations to a vehicle or "modifications" as commonly known in the industry. Some insurance companies will not cover a car if it has been "customized" in any way, such as by altering its chassis, body, or frame, increasing its performance significantly, or having a custom paint job done that costs more than a few thousand dollars.

Automobile insurance often does not cover modifications to a vehicle. Tires and rims are the one exception; you'll need to provide receipts for those, and even then, you'll likely only get a percentage of their value back in a loss settlement.

Definition of customized auto insurance

To begin, realize that aftermarket additions are alterations done to a vehicle after it has already left the manufacturer. Aftermarket modifications are alterations or additions to the standard equipment that came with your car when you bought it. You'll need specialized coverage for your modified vehicle.

On the one hand, knowing the ins and outs of buying a car, especially as a first-time buyer, is essential. On the other, knowing your vehicle's safety features when you modify it is equally important.

Typically, standard auto insurance policies do not cover this alteration or addition. However, if you select a unique or personalized auto insurance plan, you won't have to worry about anything like that happening. Insurance for modified vehicles typically follows a "replacement-cost" policy, which means it pays to replace damaged or stolen parts rather than a predetermined amount. The premium for comprehensive insurance will naturally be higher than that for basic coverage.

How broad is the scope of this term in terms of modifications?

All work done to a vehicle after it has left the factory where it was initially built is called a modification. Such alterations might be covered by specialty insurance for modified vehicles. Typically, people use this to increase the car's performance, be it speed, gas mileage, or something else entirely. Aesthetic improvements are another common reason for auto customization.

Two examples of the former are adding a turbocharger or switching to a different fuel system. Suspension changes, such as raising or lowering the car, are also possible. Alterations to improve the car's visual attractiveness could be classified as "customization," including things like bumpers, special paint, or thematic visuals on the exterior.

Insurance policies typically do not cover aftermarket additions like these to a vehicle. But if you have specialized car insurance for your modified vehicle, you can kick back and relax.

How does specialized auto insurance coverage function?

Make sure you understand policy changes' implications before committing to them. It costs more to repair or replace changed parts; therefore, you may expect to pay extra for vehicle insurance. In addition, even little changes can result in substantial price hikes. You should receive a written confirmation of any policy changes when the alterations are finished so that you are charged the same fee the company initially quoted you.

The best action is to determine how much a particular change will affect your insurance premium. It's possible that your vehicle insurance won't pay for all of your alterations.

The type of coverage you have and the rate of increase will be detailed in a document provided by your insurance company. Customized components and equipment may be included in a standard automobile insurance policy or purchased separately. 

Usually, the value of the modified parts is covered, up to a specific limit, by the supplementary insurance. Furthermore, by shopping around and comparing quotes in advance, you can keep costs down and rest assured that including a particular accessory in your vehicle won't substantially increase your premiums.

The best way to determine if you need special auto insurance is to talk to an agent

Many motorists seek to alter their vehicles for either practical or aesthetic reasons. There may be more coverage choices from specialized insurance providers, such as roadside assistance and rental car reimbursement. Make that any work you do install a body package, new wheels, larger tires, etc., are covered by your insurance before proceeding.


You should get affordable auto insurance for your car as quickly as feasible, given that you now know the specifics of insuring a modified or customized vehicle. Without low cost auto insurance, your vehicle is reasonably susceptible. It's possible that if something goes wrong, it'll also be a significant inconvenience for you. You owe your sanity to seek special insurance for your modified vehicle.