When arranging motor insurance it is important to advise the insurer at the time of the quotation if there have been any modifications to the vehicle.
It is best to inform your insurer of any changes made to the original factory model. The chances are that they won’t be interested in minor changes (such as replacing Air Conditioning with Climate Control), but it’s a good idea to double-check. Modifications which are likely to increase your insurance premiums include:
It’s worth noting that there are a number of other (less obvious) modifications which may also increase the cost of cover, such as: getting a new paintjob, fitting bucket seats or even converting to a wheelchair friendly mobility vehicle.
However, it’s not all bad news as some modifications will reduce premiums, such as: improving vehicle security, fitting reverse parking sensors or even changing to winter tyres.
The main point to bear in mind is to let your insurer know and the premium may go up or down. At least you will not receive a nasty shock when it comes to submitting a claim.
For car insurance quotations, log into www.insurescotland.com where you will have a choice of hundreds of policies to suit your needs.