Insurance Risk Explainer
Understand how different modifications impact your insurance profile. Select your planned or existing mods below to see the estimated risk impact.
High-Risk & Major Performance
Modifications that significantly alter power, handling, or safety characteristics.
Engine & Power Increases
Turbo/supercharger upgrade, big turbo, high-boost remap, forged internals, cams
ECU Remap / Tuning
Stage 1/2 remap, chip tuning, piggyback ECUs
Forced Induction Add-on
Bolt-on turbo kit, supercharger conversion (NA → FI)
Major Suspension Alterations
Coilovers, extreme lowering, air suspension, custom arms
Roll Cage & Track Safety
Weld-in roll cage, full harnesses, stripped interior
Medium-Risk & Common Upgrades
Visual, audio, and mild performance changes.
Moderate Intake / Exhaust
Performance air filter, cat-back exhaust, mild cams
Brake Upgrades
Bigger discs, multi-piston calipers, braided lines
Wheel & Tyre Size Changes
Larger diameter wheels, wider tyres, spaced wheels
Bodykits & Visual Mods
Bumpers, side skirts, spoilers, wide-body kits
Lighting Modifications
Aftermarket headlights, LED conversions, light bars
Lower-Risk / Cosmetic
Minor changes that usually have minimal impact on risk.
Interior Cosmetic Mods
Custom trim, shift knob, pedals
Audio & Electronics
Upgraded head unit, subwoofers, amps
Security Enhancements
Alarm, immobiliser, tracker
Tinted Windows / Wraps
Window tints, full car wrap
Estimated Risk Impact
Select modifications to see their impact breakdown.
What counts as a modification?
Any change from factory specification – power, suspension, wheels, bodywork, colours, interior, audio or security – can count as a modification in insurance terms. Even factory options fitted after the car left the factory can count.
Why do insurers care?
Insurers calculate risk based on "standard" vehicles. Modifications can change the performance (accident risk), the value (theft/repair risk), and the desirability (theft risk). They also suggest an "enthusiast" driver profile.
The "Undeclared Mods" Risk
If you don’t tell your insurer about modifications, you risk having a claim reduced or refused. In a worst-case scenario (e.g., serious accident), your policy could be voided, leaving you personally liable for costs. Always declare everything in writing and keep a record.