Introduction
Many car owners enjoy modifications such as body kits, oversized rims, LED lights, or turbo engines. While these upgrades can enhance appearance and performance, modifications may affect your insurance coverage. This article explains car modification risks on insurance, including effects on premiums, claims, and tips to ensure your policy remains valid.
1. How Modifications Affect Insurance
- Higher Premiums: Modifications increase risk, so insurers may charge extra.
- Claim Denial: Claims can be fully denied if modifications are not declared.
- Add-On Coverage Limits: Some BJAK add-ons may not cover modified parts.
- Total Loss Impact: Car value after an accident may exclude modifications, leading to financial loss.
2. High-Risk Modifications
- Engine modifications or turbo upgrades.
- Non-standard body kits and aftermarket lights.
- Oversized rims or tires.
- Expensive audio or accessories not declared in the policy.
3. Smart Tips for Drivers
- Declare all modifications to your BJAK insurance provider.
- Check add-ons to ensure modified parts are covered.
- Keep receipts and documentation for easier claims.
- Consult BJAK panel workshops for approved and standard modifications.
- Avoid extreme modifications that could compromise safety or policy status.
Conclusion
Car modification risks on insurance are important for BJAK drivers to understand. While modifications can enhance your vehicle, declaring all changes, checking add-ons, and following smart tips ensures you enjoy a unique car without compromising coverage or facing claim issues.
Read More:
How to Save on Car Insurance as a Zero-Accident Driver
