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Modifications can change how you operate your car such as alloy wheels which could change how it handles if they are larger or smaller and similarly a performance boost could impact how you can effectively control a vehicle.One of the most important considerations drivers have to deal with is taking care of their motor insurance.“So, while it might be tempting to stay inside the house as the car warms up and demists, if someone were to jump in the car and drive off with it, you wouldn’t be covered.So maybe it’s just better to get thermals on instead.” 4) Not driving appropriately for the conditions “Just because there is not a red weather warning, doesn’t mean you have carte blanche from your insurer to hit the road like you usually would.“Typically, modifications are anything which isn’t standard on a car, which could include alloy wheels, a satellite navigation system or even tinted windows – so it’s always worth checking what the factory standard is for your model of car to avoid landing in hot water when it comes to making a drivers are claiming to have car modifications, but we estimate this figure to be much greater, which leaves potentially millions of drivers open to invalidating their insurance and having their claims rejected.“Different insurers have different views on what constitutes a modification – so it’s always wise to tell your insurer of changes or additions you make to your vehicle at the time of making them.When a lot of people think of modifying cars they will associate a small hatchback like a 2003 Renault Clio which has had huge exhausts fixed to it and the ride height lowered or something to the same effect.“Despite the freezing conditions, motorists will not be covered if they leave their vehicles unlocked and unattended while de-icing their car, especially if they leave their keys in the ignition.This is due to most policies having a duty of care clause.
“The average used car buyer could find there are modifications they’re simply not aware of.
“Take sat-nav equipment for instance, out of 337 comprehensive car insurance policies, 292 provide cover for non-manufacturer fitted sat-nav equipment, but it’s up to the driver to declare this as a modification, in order to get the cover which is available.“Different insurers have different views on what constitutes a modification – so it’s always wise to tell your insurer of changes or additions you make to your vehicle at the time of making them.
“Otherwise you could find yourself in the situation of having a claim rejected and possibly your car insurance declared void - that could affect your ability to be insured full stop, and not only for car insurance.”Drivers risk invalidating their premium if they modify their car and fill to tell the insurer.
THOUSANDS of motorists could unknowingly be invalidating their car insurance before leaving their driveway this winter.
With temperatures plummeting and the Met Office issuing a yellow weather warning for ice across large parts of the country, drivers are being warned to stay on red alert when it comes to their car insurance during the hazardous conditions.