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Modified Car Insurance

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Modified car insurance is a type of car insurance that specifically covers vehicles that have been altered from their original factory specifications. It’s designed to account for the unique value and potential risks associated with customised or modified cars. Standard car insurance policies often don’t fully cover modifications, so modified car insurance is needed to ensure proper coverage. 
 
Elaboration:
  • What it covers:
    Modified car insurance covers everything a standard car insurance policy does, plus it addresses any non-standard changes or modifications made to the vehicle. 
     
  • Why it’s necessary:
    Standard insurance policies may not cover modifications, potentially leaving the owner exposed to financial loss if something goes wrong. 
     
  • Factors affecting cost:
    The cost of modified car insurance can vary based on the specific modifications, the car’s value, the owner’s driving history, and other factors. 
     
  • Examples of modifications:
    Modifications can include performance enhancements (like turbochargers), aesthetic changes (like body kits), or interior alterations (like seat upgrades). 
     
  • Importance of disclosure:
    It’s crucial to inform your insurer about any modifications you’ve made to your car, as failing to do so could result in your policy being invalid