Relatively,getting suitable insurance quotes for a modified car is more difficult than a normal car and the reason seems to be justifiable.Statistically the modified cars end up in more bangs and crash and thus file more claims as compared to other non-modified cars and it can be well understood.No car enthusiast modifies his car to keep his ride within the limits.Everyone tries to pull his wheels beyond the normal limits and performs some "drifts and drags",over speeding and many other vulnerable moves which ultimately ends up in some kind of wreckage or even small nicks.Moreover the alteration in the car suspension or widening of the wheels for the sake of more sporty looks can have a bad implication on the overall car handling which could end up in something destructive.No wonder "Jackie Chan" still struggles to obtain a suitable insurance policy for himself.
Almost all car insurers requires if the car has been altered,modified or tuned.It may amaze many people but it is the fact that even the stickers applied to the car for some exterior decoration can have "moral hazards" to the insurers.Insurance companies are required to be notified for all the modifications and failure to do so may result in invalidating your insurance policy leading a prosecution towards you on account of "failure to buy suitable insurance policy for your car".So when opting for any insurance policy,it is advised to disclose all the mods applied to your car and to keep all the copy of correspondence,regarding information being disclosed to your car insurer of all the modifications.It would be even more helpful if you can provide rolling road printout so that the underwriter can assess your car.The bottom line is that you ought to be honest in stating what you have done to your car.However this does not require you to be blunt.You can still gain an effective insurance policy but "playing wise" is necessary and your attitude and way of presenting your opinion should be acceptable enough.
Car insurance companies are there to do some business and obviously they would not like to pay from their own pockets and thats fair enough.This is why they are so conscious regarding any modifications and they appear to be stubborn when it comes to insure a modified car.However explaining them with some acceptable and convincing reason can do the trick.Like if you modify any part of your car so that you can brag around among your peers but that modification also helps in the enhancing the performance of your car then always state this as your primary reason to perfrom modification rather then the first one.Abide by this guideline and you will find a handsome car insurance policy at your disposal.
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