How to insure a car with modifications

There are many reasons why vehicle owners might make changes to a car, from getting a custom paint job to reflect their preferred color, to interior tweaks to suit the need for speed. While cosmetic modifications do not affect the behavior of a car, other types of modifications or upgrades can significantly change an insurance company's attitude towards the risk of driving accidents. While getting insurance for a modified car may seem like a daunting task, it can be a lot easier with the right approach.

Part 1 of 1: Insure your modified car

Step 1: Make a list of modifications. Often one adjustment or change will lead to another, and you'll soon have multiple modifications to your car.

In the event of a future accident and claim, be sure to report any changes you have made to your vehicle in advance with potential insurance companies. If you accidentally miss something, the claim may be rejected. Having a list of everything that doesn't come standard with your car ensures you don't forget a single modification.

Step 2. Call several insurance companies.. With modifications, your car no longer falls into predefined categories.

While you can get insurance by filling out an online form, it's unlikely you'll be able to properly document your changes, meaning you may not be covered in the event of an accident. This is a situation where you need to talk to a real, live person, so pick up the phone and explain in detail how you modified your car, referring to your list, to the person at the end of the line.

Step 3: Ask about equipment coverage. You can cover your car parts along with any related medical bills with a comprehensive policy, but your add-ons cannot be replaced.

Additional equipment coverage ensures that your additional parts are eligible for replacement in the event of an accident. It will cost a little more, but it's worth it, especially if your parts are expensive.

• FunctionsA: If you're having a hard time finding traditional car insurance, ask about collectible car insurance coverage.

Step 4: Choose the best offer for your needs. It may be helpful to write down the cost and coverage details for each of your potential insurance companies.

The cheapest is not necessarily the best choice for your situation. Consider factors such as deductible and health insurance coverage.

Step 5: Make a decision. After you've looked at the comparison of companies in black and white, make your choice.

Call your chosen insurance company again and follow their instructions to get the policy you mentioned earlier. In most cases, your policy will take effect the next business day.

• A warningA: There are often clauses on modified car insurance, so be aware of any exclusions. The normal insurance exclusion applies to racing or test driving on a track. This is because races and tracks usually involve high speeds, which greatly increases the chance of an accident.

While it may take extra work to find an insurance company willing to provide coverage for your vehicle with modifications, it's not impossible. Be prepared to pay more than you would insure your car in factory condition, and be sure to talk about everything you did to modify it. With full disclosure and a willingness to pay to play in your fancy car, you will find a company willing to provide you with insurance. Be sure to follow your car's scheduled maintenance schedule so you can enjoy it without worrying about a breakdown or an unnecessary accident.