Get Modified Vehicle Report Form

Removing and replacing seats, changing the pedals and the steering wheel are all considered to be key modifications that need to be reported to your insurance provider.

The following modifications can affect your car insurance costs, so make sure you tell your provider if they apply to your vehicle: Flared wings. Wheel arches. Spoilers.

A modification is any change you make to your car that alters it from the manufacturer's standard settings.

A modification is defined as any change made to a car that alters it from the standard manufacturer or factory specifications. These changes range from cosmetic changes (alloy wheels) to practical enhancements (parking sensors).

If you're thinking of buying a new policy or changing the car we already insure, it's important to know that we only accept some modifications.

Replacing bushings — Swapping rubber bushings for polyurethane ones to suppress vibrations and minimise weight transfer is unlikely to have an impact on the cost of your insurance. Fitting wind deflectors — Because they are usually a manufacturer's accessory, wind deflectors won't normally affect your premium.

The Best Approach for Modifications and Insurance For each modification you make to your vehicle, you need to document it. This information needs to include what parts you used, the cost to you, as well as the day and month you made the modification.

Do wind deflectors affect insurance? Wind deflectors are usually a manufacturer's accessory and it's unlikely that your insurer would raise your premiums as a result of fitting them. That said, they are a bodywork modification, so your insurer should still be notified if wind deflectors are being added.