How Can Modifications Impact Your Go Digit Car Insurance Policy?

Get Car Insurance starting at only ₹2,094/year #
Car Insurance
Processing

Who doesn't like modifying their cars according to their desires? Modifications cannot only improve your car's appearance but can also enhance its performance. However, these modifications can also affect the cost of your four-wheeler insurance. If you are planning to buy a Digit car insurance policy, you must know how modifying your car can impact your insurance premium. Read on to know about car modifications and their impact on Digit car insurance.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Car Insurance

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Email
      Mobile No.
      Secure
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      What Exactly Is Car Modification?

      Any slight change in the original model of your car that makes it distinct from other similar models is termed as a modification. They can range from changes in appearances like colour or changes resulting in enhanced performance of your car.

      When you get any modification done to your car, it creates a direct impact on your insurance costs. This is because any modification done to the insured car increases its chances of risks and therefore, increases the vehicle insurance rates as well. For example, if you have made any attractive modifications to your car, the chances of theft will increase, thus, impacting your four-wheeler insurance rates.

      Car Modifications That Can Impact Your Digit Car Insurance

      Some basic car modifications that can impact your Digit car insurance cost include:

      1. Exterior Modifications

      Modifications to the appearance or exterior modifications arise when you change the look of your car. For example, getting your car's paint colour changed or getting an eye-catchy design on your car. Other examples of exterior modifications include adding appealing lights and changes in the car's bodywork, such as bonnet, panels, tyres, etc.

      Exterior modifications add an aesthetic value to your car, which makes it more prone to getting stolen, and thus, increases your insurance premium. Any such changes made to the insured car should be informed to the insurer.

      2. Interior Modifications

      Interior modifications refer to the changes done to the interiors of your car. These include changing the look of the dashboard, car seats, adding a music system, adding accessories like Bluetooth, dual horns, etc. All these modifications come under interior modifications and need to be informed to the insurance company as they may increase your premium.

      3. Performance-enhancing Modifications

      Car owners also prefer to modify their cars to ensure better performance. These modifications can be done to a car's engine, air filter, exhaust system, etc. and have a direct impact on the performance of the car. For example, adding nitrous oxide to your car can increase the speed of your car. But since it can also increase the chances of accidents, it directly impacts your car insurance premium. Therefore, these changes should be informed to your insurance provider.

      4. Brakes and Suspensions

      Brakes and suspensions are vital to a car's safety and any changes in these can impact your car's performance. For example, getting updated brakes can impact the performance of your four-wheeler. Therefore, any modification done to brakes or suspensions should be intimated to the insurance company at the earliest.

      How Modifications Impact on Digit Car Insurance?

      Go Digit General Insurance offers two basic types of four-wheeler insurance policies, namely Third-party Liability and Comprehensive insurance. The former one is a mandatory insurance cover as per the motor laws of India. However, a comprehensive policy is optional but recommended as it covers both own car damages and third-party liabilities in case of an accident. Therefore, any modifications done to a car will only affect the own damages premium part of the comprehensive insurance plan as only this policy covers damages to the policyholder’s car.

      While issuing the car policy, your insurer will calculate the premium considering various factors affecting the cost of the vehicle. When you make any modifications to your car, it may increase the value of your car. Any increase in the car's value, performance or aesthetics will impact your motor insurance premium. Thus, you need to inform your insurer about such modifications so that they can ascertain the premium based on those changes.

      Once you have informed the insurer, they will re-inspect the car, and make changes in the policy as per the modifications. A modification may lead to an increase in the premium of your Digit car insurance policy.

      If you fail to inform your motor insurance company about the modifications and your car suffers damages due to a road accident, then the insurer can either reject your claim or make partial payment based on the parts originally covered in the policy.

      Other Factors Affecting Digit Car Insurance Premium

      Other than the modification impact on a Digit Car Insurance policy, some more factors affect the premium of your motor insurance policy. These are:

      Coverage Type

      The type of coverage you are planning to purchase also impacts your motor insurance policy. A third-party liability policy that only covers third-party damages is comparatively affordable. On the other hand, a comprehensive insurance plan that provides extensive coverage to the insured car, as well as covers accidental third party liabilities, is usually costly.

      Fuel Type

      If your car runs on diesel, your four-wheeler insurance premium may increase. Cars that run on diesel are expensive and so is their IDV. Thus, diesel cars will have a high premium than petrol or CNG car.

      Car Owner's Profession

      Another factor that affects Digit car insurance premium is the car owner's profession. If your profession requires daily use of the insured car, you may have to pay a higher premium. This is because a vehicle used regularly has more chances of meeting an accident as compared to a vehicle that is rarely used.

      Wrapping Up!

      Before getting any modifications done to your car, make sure to inform your insurance company well in advance. This will allow them to re-inspect your car and calculate your premium accordingly. If you fail to do so, your claim may be rejected by the company, so make sure to declare it beforehand.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      IDV in Car Insurance

      22 Feb 2024

      In layman's terms, the IDV full form is the Insured Declared Value
      Read more
      Must-Have Car Insurance Addons for Brand New Cars

      31 Jan 2024

      Investing in a full-coverage car insurance policy is essential for
      Read more
      No Claim Bonus (NCB) in Car Insurance

      29 Jan 2024

      No Claim Bonus (NCB) is a reward given by an insurer to a
      Read more
      How to Choose the Right Car Insurance for Your First Car?

      17 Jan 2024

      Buying their first car is no less than a milestone unlocked for
      Read more
      Things To Know Before Purchasing Sedan Car Insurance

      12 Dec 2023

      The type of four-wheeler you purchase also impacts its insurance
      Read more
      Check Vehicle or Car Insurance Status/Validity Online
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your car must be
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      Find Car Insurance Details By Registration Number
      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due
      Read more

      top
      View Plans
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL