Tell the insurer before making a change that it wants to be told about about. Do not wait until renewal where the policy says modifications to be declared during the term.
Modification means more than engine tuning
Wheels, suspension, exhausts, body changes and software are obvious examples, but insurer definitions differ. check with the insurer when there is any doubt.
Permission can matter before the work is done
An insurer may accept the change, alter the premium, impose terms or refuse to continue cover. Finding that out after paying for the modification is poor timing.
Factory equipment is different from later alteration
A car supplied from new with a particular wheel or trim package differs situation as a later owner changing it. Describe the car accurately.
If modifications matter to you, compare insurers that can accommodate them rather than choosing purely on the cheapest standard-car quote.
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