{"id":35127,"date":"2022-10-11T16:05:07","date_gmt":"2022-10-11T08:05:07","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35127"},"modified":"2025-09-17T14:50:06","modified_gmt":"2025-09-17T06:50:06","slug":"car-modification-how-it-affects-your-insurance-premium","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-modification-how-it-affects-your-insurance-premium","title":{"rendered":"Car Modification: How It Affects Your Insurance Premium"},"content":{"rendered":"\n<p>Most car enthusiasts love to level up their cars with extra modifications. Sure, there is nothing wrong with their car as everything is still new and works properly. <\/p>\n\n\n\n<p>However, they&nbsp;have made plans at some point to&nbsp;modify&nbsp;their&nbsp;<em>car<\/em>. One day, they plan to pimp up their ride with new turbo engines. Or maybe alter the car rims to the new custom ones.<\/p>\n\n\n\n<p>If you\u2019re trying to improve an aspect or two by introducing new components, it\u2019s not essentially a bad thing. However, you have to be aware that these modifications may affect your&nbsp;<a href=\"https:\/\/bjak.my\/blog\/car-insurance-add-ons-types-of-extra-protection-you-can-pick\/\">car insurance<\/a> premium. <\/p>\n\n\n\n<p>Read on as we will explain.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d8cde896e87\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d8cde896e87\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-modification-how-it-affects-your-insurance-premium\/#What_is_car_modification\" title=\"What is car modification?\">What is car modification?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-modification-how-it-affects-your-insurance-premium\/#Different_types_of_car_modifications\" title=\"Different types of car modifications\">Different types of car modifications<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-modification-how-it-affects-your-insurance-premium\/#Vehicle_modifications_following_the_Road_Transport_Department_JPJstandards\" title=\"Vehicle modifications following the Road Transport Department (JPJ)standards\">Vehicle modifications following the Road Transport Department (JPJ)standards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-modification-how-it-affects-your-insurance-premium\/#How_does_car_modification_affect_insurance\" title=\"How does car modification affect insurance?\">How does car modification affect insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-modification-how-it-affects-your-insurance-premium\/#What_happens_if_you_don%E2%80%99t_disclose_car_modifications_to_your_insurer\" title=\"What happens if you don&#8217;t disclose car modifications to your insurer?\">What happens if you don&#8217;t disclose car modifications to your insurer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-modification-how-it-affects-your-insurance-premium\/#Consider_before_you_modify_your_car\" title=\"Consider before you modify your car\">Consider before you modify your car<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_car_modification\"><\/span>What is car modification?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car modification helps in making your ride stand apart from the other vehicles. <\/p>\n\n\n\n<p>As the term suggests, modifications are changes made to a vehicle to alter the appearance or performance or both.<\/p>\n\n\n\n<p>Modifications could be major or minor changes for aesthetic purposes or to enhance the car\u2019s performance.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Different_types_of_car_modifications\"><\/span>Different types of car modifications<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"35135\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-modification-how-it-affects-your-insurance-premium\/attachment\/photo_2022-10-11-16-00-59\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo_2022-10-11-16.00.59\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-35135\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/10\/photo_2022-10-11-16.00.59.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>There are several types of modification: <\/p>\n\n\n\n<p><strong>1. Performance<\/strong><\/p>\n\n\n\n<p>Performance modifications refer to upgrading the car\u2019s performance. Examples are upgrades of the brakes, transmission, suspension, turbocharger, etc.<\/p>\n\n\n\n<p><strong>2. Functional<\/strong><\/p>\n\n\n\n<p>Functional modifications mean changes or adding certain functions to the vehicle. Examples are air conditioning systems, navigation systems, parking sensors, and additional car lights.<\/p>\n\n\n\n<p><strong>3. Aesthetic<\/strong><\/p>\n\n\n\n<p>Aesthetic modifications refer to improving the appearance of the vehicle. Examples are as below:<\/p>\n\n\n\n<ul><li>Front and rear bumpers<\/li><li>Rooftop vents<\/li><li>Auto body paint<\/li><li>Back bumper reflector lights<\/li><li>Tinted windows<\/li><\/ul>\n\n\n\n<p>Depending on the modification, some enhance your vehicle&#8217;s performance. However, it is only if they\u2019re done legally. They&nbsp;don\u2019t always come out correctly. Unlawful or prohibited modifications can adversely affect your car&#8217;s performance.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Vehicle_modifications_following_the_Road_Transport_Department_JPJstandards\"><\/span>Vehicle modifications following the Road Transport Department (JPJ)standards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Unlawful car modification can cause you a hefty fine by the authorities. Car modifications are subject to adherence to the&nbsp;regulation set by the Road Transport Department (JPJ). <\/p>\n\n\n\n<p>According to Section 12 of the&nbsp;Road Transport Act 1987, modifications made to any vehicles before or after registration must be done legally.&nbsp;<\/p>\n\n\n\n<p>Some modifications can be performed without JPJ\u2019s approval. However, they must follow the specified guidelines. You may refer to this article for a detailed guide to car modification based on the JPJ standards: JPJ Guidelines for Vehicle Modifications.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_does_car_modification_affect_insurance\"><\/span>How does car modification affect insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car insurance companies consider a car modified when you replace, add, or remove a vehicle&#8217;s parts or systems that weren&#8217;t in the manufacturer&#8217;s standard specification.<\/p>\n\n\n\n<p>But how will it affect your insurance if you want to mod your car?<\/p>\n\n\n\n<p>For example, if a car modification results in a compromise in the car\u2019s security, then the car\u2019s vulnerability to getting stolen increases. Thus, the <a href=\"https:\/\/bjak.my\/blog\/car-insurance-premium\/\">car insurance company<\/a>&nbsp;will charge you a higher premium than it would have charged you before the modification.<\/p>\n\n\n\n<p>Update your <a href=\"https:\/\/bjak.my\/blog\/understand-your-car-insurance-policy\/\">car insurance policy<\/a> to cover these if you have modified your vehicle.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_happens_if_you_don%E2%80%99t_disclose_car_modifications_to_your_insurer\"><\/span>What happens if you don&#8217;t disclose car modifications to your insurer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your insurance only covers the standard, factory-fitted car accessories.&nbsp;<\/p>\n\n\n\n<p>In the event of a car accident or theft, your insurance will replace or compensate for the accessories, provided that the accessories are standard, factory-fitted tools. You will need comprehensive insurance in order to get the accessories replacement or compensation.<\/p>\n\n\n\n<p>In other words, if your car accessories are not the standard accessories that come with your car, your insurance won\u2019t cover or compensate you if the non-standard accessories are damaged or stolen.&nbsp;<\/p>\n\n\n\n<p>Therefore, you must disclose the modifications done to your car at the time of policy purchase. Please note that any non-disclosure can result in a claim rejection at the time of a&nbsp;claim settlement.<\/p>\n\n\n\n<p>If you are unsure, it is best to clarify with your insurer.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Consider_before_you_modify_your_car\"><\/span>Consider before you modify your car<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You must not want anything to go wrong with your car upon modification. It is indeed would be a nightmare for all car owners. You are spending thousands of ringgit to modify your car however, it affects your car&#8217;s performance. <\/p>\n\n\n\n<p>Therefore, we advise you to refer the experts so you don&#8217;t ruin your car. Get the necessary add-on coverage to ensure your car receives sufficient protection. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em data-l-s=\"67471\"><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison sites, with more than 10 insurance brands to choose from. Get your free insurance quote at Bjak today!<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=car-modification-how-it-affects-your-insurance-premium\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get A Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Read more:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/jpj-guidelines-for-vehicle-modifications\/\">JPJ Guidelines for Vehicle Modifications<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-is-car-accessories-cover-important\/\">Car Insurance: Is Car Accessories Cover Important?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Claim Motorcycle Insurance After An Accident<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Several types of car modifications can cause your insurance premium to soar, depending on the changes. <\/p>\n<p>Read on as we share more about it.<\/p>\n","protected":false},"author":7,"featured_media":35134,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Modification: How It Affects Your Insurance Premium | BJAK<\/title>\n<meta name=\"description\" content=\"A car modification can cause your insurance premium to soar, depending on the changes. 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