Your RTO details
RTO name
Code
City
Address
Pincode
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Processing
    Other models
    Other variants
    Select your variant
    View all variants
      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.

      How Modifications Can Affect Your Car Insurance

      It is very tempting to personalize your car by tweaking up your engine, adding wide wheels as well as brakes or any other customization that may affect the performance of the car. Cars are manufactured after much planning, designing and testing. The cars are tested extensively especially the "crash test" which is meant for the passenger's safety in the car. One of the main concerns among car manufacturers is the safety of passengers.

      Read more

      Actual crash test dummies are strapped onto the seats and analysis is done on the effect of an accident on the passenger. By modifying the car you are changing the safety features of it and in the process jeopardizing the passenger’s safety and the public in general. These changes do attract a revision of your car insurance premium. All systems are synchronized to work together to maximize performance.

      The rest of the parameters like fuel efficiency, speed, braking systems, power, air conditioning systems, etc. also play an important part in the overall design and handling of the car. Making changes may have an adverse effect on performance.

      What is Considered as a Modification

      Any modification to the car that causes a difference to the manufacturer's original factory specification is considered as a modification by the insurer. The insurer gauges the modifications for any additional risks to be covered and will calculate the premium accordingly. Some of these modifications include the following:

      Modifications to the Vehicle’s Engine

      Modifications were done to increase the engine’s power that results in increased speed always increases the risk of accidents. High speed is a temptation to drive recklessly and can engage to overtake. Modifying your car by adding a supercharger will increase your premium.

      Wheel Modification

      Car owners may also change the wheels of their car and they cannot be as per the manufacturer’s specifications. These wheels may enhance the look of the car and may also increase the value of your car’s insurance.

      Brakes and Suspension Systems

      Brakes are one of the most important features of a car. Any changes (not recommended) should be done by a highly skilled mechanic. If the suspension system is modified, it may change the way the car behaves. These critical changes must be notified to the insurer who will re-assess the premium. It is suggested to inform them about the service provider who carried out these changes.

      Changes to Car Interiors

      Any internal changes like changes in the steering wheels of your car, pedals and sound system are also regarded as changes that are supposed to be reported to the insurer. The quality of the products modified and the wear and tear are also considered while re-calculating the revised insurance premium.

      Paint Job

      Painting your car may seem innocuous but the insurance companies need to be informed about it. This is especially when you have decorative decals or any race car emblems or any other eye-catching designs painted on the car. The insurance company has to be notified about the paint job so that they can re-calculate your cars insurance.

      Change of Engine

      One of the vital parameters while calculating the premium is the car’s engine. If you replace the factory-installed engine then the insurance considers it as an increased risk. The insurance company makes their assessment based on the manufacturing year, make and model of your car. Generally, premiums are standard for a particular brand/model and year of the car. The premium changes when you make modifications.

      The revised premium for third party insurance is lower than a comprehensive insurance policy.

      Not all changes modifications attract additional premiums. For example, if you install parking sensors it would certainly lower your premium. This is because of the reduced risk of smashing into another car or wall.

      Also, the installation of anti-theft alarm system, tracking mechanism, and other devices that will prevent break-ins will get you some discounts since there is a lower risk of your car being stolen. Check with your insurance company about discounts regarding this before you buy the car insurance policy from them.

      Checklist for Car Owners Who Are Planning to make Modifications

      Below is a list of modifications and the percentage increase in your car insurance premium. These are just indicative figures and may vary from insurer to insurer and also on the insurance assessor.

      MODIFICATION

      % INCREASE IN PREMIUM

      Turbo/ Supercharging/ Nitrous oxide

      Non-Standard Engine Change

      Exhaust System Changes

      Air Filter

      132%

      63%

      26%

      25%

      Bonnet Bulges, Flared Wings

      Complete Body Kit & Panels

      Spoilers

      Tinted windows

      Lights Addition or Changes

      66%

      57%

      23%

      16%

      12%

      Roll Bars, Roll Cages

      Replacement Seats

      Upholstery or Dashboard

      41%

      27%

      16%

      Updated Brakes

      Suspension

      36%

      25%

      Specialized paintwork

      Stripes, Decals, Badges

      36%

      22%

      Broad Wheels Or Tyres

      Alloy Wheels

      18%

      8%

      Points to Remember

      It is advisable to inform the insurance company if you are planning to make any changes to your vehicle. They will assess the risk or the impact of the changes and accordingly calculate the new premium. Do not make the changes and then inform the insurer only when the policy is due for renewal.

      Every change or modification done to your car affects your policy. If you inform the insurance company you may have to pay an additional amount. However, if they are not informed, the insurance company will view it as a fraud and that may create problems for you especially if you are making a claim. In extreme cases, the insurer can even invalidate your car insurance policy.

      Summing it Up!

      Modifying or customizing a vehicle is not only an expensive affair; it also increases your premium. Minor modifications may not attract any increase but any designated modification like tweaking the engine, structural changes to the body, frame or chassis or using oversized wheels and other such modifications will certainly attract a higher premium to cover the risk of an unfortunate accident. It is always a good practice to inform the insurer about any change to your car so that these modifications do not become a bone of contention at the time of claim. Also, do not forget to make endorsements in the policy about the modifications.  

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      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 Article
      • Popular Articles
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance Policy...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      17 Jan 2024

      How to Choose the Right Car Insurance for Your First Car?

      Buying their first car is no less than a milestone unlocked for

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To 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
      03 Jun 2016

      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
      20 Jul 2017

      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

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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