What counts as a 'modification' to my car?

That's a good question with a very broad answer.

Our policy wording defines a modification as any alteration to the manufacturer's standard specification for your car, including optional extras fitted to the car when new by the vehicle manufacturer or dealer, which improves its value, performance, appearance or attractiveness to thieves.

This includes, but is not limited to:

  • changes to the engine
  • engine management system or exhaust system
  • changes to the wheels or suspension system
  • changes to the bodywork such as spoilers or body kits
  • tinting on windows
  • a fitted tow bar

This includes modifications made by previous owners. As always, if you're unsure please call us on 0345 045 1000.