Adding stickers to your car without telling your insurance provider could mean a claim isn’t paid out, or your policy gets cancelled!
Reverand Wena Parry, 75, sent photos of her car (sporting some Jesus related stickers) to her insurer as part of a claim. The insurance company responded telling her that she had ten days to explain why she hadn’t told them about the stickers on her car and warned that ‘the policy may be declared void’. In a letter to Ms Parry her insurer, Age UK Insurance, said “These modifications do not fit our acceptance criteria for motor insurance. The cover would have been declined if we had been made aware of these at the time of purchasing your policy.”
Motorists are required to tell their insurance company if a car has been modified in any way, this is because modifications are typically changes to your car which are non-standard or don’t use approved parts which could make replacing them difficult in the event of a claim.
Car insurance policy costs are calculated on things such as the type of car, size of the engine, its age, etc, which means that anything modified could change how much you need to pay for your insurance policy. Anything nothing classed as standard can be seen as a modification, even things like decals, paint or wraps.
Matt Oliver, spokesperson for GoCompare car insurance said “While modifications may ring bells of the bygone boy racer, it’s worth remembering that insurers don’t just class body kits, exhaust systems or suspension changes as vehicle modifications. The average used car buyer could find that there are modifications they’re simply not aware of [on their vehicle].”
So remember, modifications can mean something as simple as having alloy wheels put on your car or even just tinting the windows. It is a good rule of thumb to let your insurer know when you change anything or if your car has any parts on it that weren’t part of the factory standard model to ensure you don’t find yourself in trouble when you need to make a claim.