What if my new car comes with modifications?
If you’ve bought your new car from an authorised dealer and opted for some extra feature,s such as sat nav or alloy wheels, it shouldn’t affect your premium too much as they’ll have been fitted according to the manufacturer’s specifications.
However, if the modifications increase the value of your car, you may pay a slightly higher premium than you would for the basic model.
If you're buying a secondhand vehicle that’s been modified, make sure you get all the details and pass them on to your insurance provider. The onus is on you to provide full details otherwise your insurance provider could potentially invalidate a claim. It's worth checking what comes as standard on a particular model so you know what might be different on the vehicle you’re buying.