{"id":53384,"date":"2025-10-16T23:03:34","date_gmt":"2025-10-16T15:03:34","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53384"},"modified":"2025-10-29T18:30:07","modified_gmt":"2025-10-29T10:30:07","slug":"impact-of-engine-swaps-modifications-on-car-insurance-policies","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/impact-of-engine-swaps-modifications-on-car-insurance-policies","title":{"rendered":"Impact of Engine Swaps &#038; Modifications on Car Insurance Policies"},"content":{"rendered":"\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-69d47297a2a07\" 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-69d47297a2a07\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/impact-of-engine-swaps-modifications-on-car-insurance-policies\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/impact-of-engine-swaps-modifications-on-car-insurance-policies\/#Impact_of_Engine_Swaps\" title=\"Impact of Engine Swaps\">Impact of Engine Swaps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/impact-of-engine-swaps-modifications-on-car-insurance-policies\/#Impact_of_Other_Modifications\" title=\"Impact of Other Modifications\">Impact of Other Modifications<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/impact-of-engine-swaps-modifications-on-car-insurance-policies\/#How_to_Update_Your_Policy_via_BJAK\" title=\"How to Update Your Policy via BJAK\">How to Update Your Policy via BJAK<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/impact-of-engine-swaps-modifications-on-car-insurance-policies\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many car owners love modifying their cars \u2014 from changing the engine to upgrading parts for better looks or performance. But these changes can affect your car insurance. If you don\u2019t report them, your premiums may rise later, your coverage may shrink, or your claims could be rejected.<br>This guide explains how engine swaps and modifications influence insurance policies and how BJAK helps you update them easily.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Impact_of_Engine_Swaps\"><\/span><strong>Impact of Engine Swaps<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>1. Higher Premiums<\/strong><strong><br><\/strong> A bigger or more powerful engine means higher risk, and insurers usually charge more.<\/p>\n\n\n\n<p><strong>2. Limited Coverage<\/strong><strong><br><\/strong> Some insurance companies may refuse to cover cars with unreported engine swaps.<\/p>\n\n\n\n<p><strong>3. Invalid Claims<\/strong><strong><br><\/strong> If your engine has been changed but not declared, claims for accidents or damages might be denied.<\/p>\n\n\n\n<p><strong>BJAK Tip:<\/strong><strong><br><\/strong> Always recheck your policy after an engine swap with insurers like Allianz, Takaful Malaysia, or P&amp;O Insurance. This helps ensure your No Claim Discount (NCD) and roadtax remain valid.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Impact_of_Other_Modifications\"><\/span><strong>Impact of Other Modifications<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Cosmetic Modifications<\/strong><strong><br><\/strong> Changes like lights, rims, or body kits usually don\u2019t affect your premium. But they still need to be declared so your insurance record stays accurate.<\/p>\n\n\n\n<p><strong>Performance Modifications<\/strong><strong><br><\/strong> Upgrades like turbo systems, ECU tuning, or custom suspension can raise premiums or limit what your insurer will cover.<\/p>\n\n\n\n<p>You can use the <strong>BJAK Calculator<\/strong> to estimate your new premium after making changes. It gives you a clearer view of how much extra you might pay.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_Update_Your_Policy_via_BJAK\"><\/span><strong>How to Update Your Policy via BJAK<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Updating your policy is simple:<\/p>\n\n\n\n<ol><li>Ensure that policy is purchased through BJAK.<\/li><li>Request endorsement for vehicle information update.<\/li><li>Provide required documents regarding endorsement &amp; wait patiently.<\/li><li>Policy updated by proof of endorsement slip<\/li><\/ol>\n\n\n\n<p>Doing this keeps your coverage valid and prevents issues during claims.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53445\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/impact-of-engine-swaps-modifications-on-car-insurance-policies\/attachment\/4-92\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"4-92\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing how engine swaps and modifications affect insurance \u2014 comparing \u201cbefore\u201d and \u201cafter\u201d scenarios with changes in premium, NCD, and claim validity.\" class=\"wp-image-53445\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-92.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Engine swaps and car modifications can affect insurance in many ways \u2014 from higher premiums to denied claims. Always declare any changes to stay protected.<br>With BJAK, you can easily check, compare, and update your policy. It ensures your premiums, NCD, and roadtax remain accurate and legally valid.<\/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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=impact-of-engine-swaps--modifications-on-car-insurance-policies\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bjak-bengkel-car-service-now-pay-later\">BJAK Bengkel: Car Service Now, Pay Later<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bjak-workshop-car-service-with-instalment-plan-from-rm10-month\">BJAK Bengkel: Car Service with Instalment Plan from RM10\/Month<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/calculate-commercial-vehicle-roadtax-in-malaysia-easily\">Calculate Commercial Vehicle Roadtax in Malaysia Easily<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Engine swaps or modifications can affect your car insurance premium and NCD if not reported. Learn how these changes impact your policy and how to update them through BJAK to ensure continuous coverage and avoid claim issues.<\/p>\n","protected":false},"author":31,"featured_media":53444,"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":[2968,2969],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Impact of Engine Swaps &amp; Modifications on Car Insurance Policies | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Impact of Engine Swaps &amp; Modifications on Car Insurance Policies. 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