Introduction
Car modifications can enhance aesthetics or performance, but many car owners ask: Why do Insurers Don’t Like Cars with heavy modifications? Insurers are often wary of modified vehicles due to higher repair costs, difficulty sourcing parts, and increased claim likelihood. Understanding these risks and taking proactive steps ensures your car remains fully insured without surprises.
Why Insurers Are Wary
- High Repair Costs – Custom parts may be expensive or hard to find.
- Higher Claim Risk – Modifications can increase the likelihood of accidents or damage.
- Policy Disputes – Failing to disclose modifications can void coverage.
Tips to Protect Your Insurance
- Always disclose modifications to your insurer.
- Choose BJAK add-ons that support modified cars.
- Keep original parts and receipts to prove replacement or restoration.
- Update your insurer promptly with any new modifications.
Additional Recommendations
- Take photos before and after modifications to document changes.
- Understand which modifications may affect your premium or claim eligibility.
- Review policy terms carefully to avoid gaps in coverage.
Conclusion
While modified cars are attractive, transparency with insurers is essential. Besides that, by understanding why Insurers Don’t Like Cars with heavy modifications, car owners can take proper steps to protect their coverage. BJAK helps owners select policies that fully protect modified vehicles, minimizing the risk of claim rejection while maintaining peace of mind.
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