Do modifications need to be declared to my insurer?

Modifications can include performance changes, suspension, wheels, body kits, wraps, aftermarket lights and sometimes software changes. Insurers differ in what they treat as material.

Even a modification that seems cosmetic can affect the insurer's underwriting decision.

Declare changes before fitting them where possible so you know whether the insurer will continue cover and whether the premium changes.

Factory-fitted options may be treated differently from later modifications, and insurers define modifications differently. If in doubt, disclose the change and let the insurer decide whether it affects the policy.

Check the current source for 'Do modifications need to be declared to my insurer?' before acting if the relevant rule, policy, fee or eligibility has recently changed. Keep any official confirmation or reference number produced by the process because it can help resolve a later query. This note is specific to answer 455.