Which modifications will lead to insurance claim rejection?
2 Answers
The following are specific situations where modifications may result in insurance claim rejection: 1. Significant exterior alterations: Major changes such as color changes, decals, or body kits require registration with the vehicle management office for a new driving license. 2. Excessive modifications to the vehicle structure: Adding turbochargers, changing exhaust systems, installing spoilers, or even modifying displacement, replacing suspensions, or heavily upgrading audio systems. These modifications involve safety concerns and must be reported to the vehicle management office, though approval is usually unlikely. Any of these deep modifications will lead to insurance claim rejection. 3. Minor modifications without notifying the insurance company: Installing navigation systems, replacing seats, or changing to xenon headlights, etc., can be covered if approved by the vehicle management office and if additional insurance is purchased by communicating with the insurer. However, if modifications are made during the insurance period without notifying the insurer, the insurance company will not be liable for compensation.
I'm telling you, the pitfalls of car modifications are numerous, especially those hands-on mechanical alterations. I've seen many owners recklessly tinker with their engines—like boosting horsepower or modifying turbochargers. The moment insurers notice you've enhanced performance, they perceive higher risks and are quick to deny claims in case of accidents. The exhaust system is another hotspot; installing oversized pipes that roar not only disturbs the peace but may also violate emission regulations, making insurers wary of fines or accident risks. Lifting or lowering the suspension alters the original ride height, affecting handling—if undeclared, repairs won't be covered. Even wheel and oversized tire mods that deviate from factory specs, compromising braking performance, are under insurers' scrutiny. Bottom line: any changes to OEM designs should be cleared with your insurer first, or you'll regret it when trouble strikes.
