{"id":18236,"date":"2021-05-04T20:00:00","date_gmt":"2021-05-04T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/car-modifications.html"},"modified":"2026-03-27T08:28:49","modified_gmt":"2026-03-27T00:28:49","slug":"car-modifications","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/insurance\/car-modifications.html","title":{"rendered":"How Will Car Modifications Affect Your Car Insurance Policy?"},"content":{"rendered":"\n

A modified car insurance premium is usually higher than the normal one. Before modifying your car, it is best to take a look at how the changes can affect the cost of car insurance. But what kind of car modifications are we talking about here? Read below to find out!<\/strong><\/p> \n

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Have you ever thought of pimping up your ride with new turbo engines? And change those boring car rims to the new custom ones? Although it is tempting to customise your car, you have to be aware that these modifications can affect your car insurance premium<\/a>.<\/p> \n

While you\u2019re applying or renewing your insurance policy, it is important to let your insurer know that you have modified your car. Any attempt to make the car look nicer or perform better will not only increase its value, but also the risk of vehicle theft. By informing your insurance company, you can rest assured that your car will be fully protected. The insurance company will increase the insurance premium accordingly to ensure that every aspect of the modifications you made to the car is covered.<\/p> \n

What is car modification and how does it affect car insurance?<\/h2> \n

Car modifications are the changes made to a personal vehicle. It can be any major or minor modifications that are done for aesthetic purposes or to enhance the car\u2019s performance. Car insurance companies consider a car modified when you replace, add or remove a vehicle’s parts or systems that are different to the manufacturer’s original specifications.<\/p> \n

Modifications to your car could increase the risks of theft. For example, a modified car with expensive parts like custom sport rims and a spoiler can be more attractive to thieves. The local authority once busted a syndicate<\/a> that preyed on luxury car owners and sold the stolen car parts in the market. Since the purpose of your insurance coverage is to cover those risks, additional costs<\/a> will be added to your premium.<\/p> \n

Related:<\/strong> What To Do When Your Car Is Stolen And How To Prevent It?<\/a><\/p> \n

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What are the different types of car modifications?<\/h2> \n

Car modification can be divided into three main categories which are:<\/p> \n

1. Performance modifications<\/h3> \n

Performance modifications are made to upgrade the car\u2019s performance, which include:<\/p> \n