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    These car modification could void your insurance

    Synopsis

    Indian car owners are increasingly modifying their vehicles, but it's crucial to inform insurers about any changes to avoid potential issues with insurance coverage in India.

    Car InsuranceANI
    Car modifications are gaining popularity among Indian car owners who seek to personalize their vehicles. However, it's crucial to understand that making significant alterations to your car can not only be against the law but may also invalidate your insurance coverage. In India, car insurance typically falls under two categories - third-party and comprehensive policies, with the latter covering damages to your vehicle as well.

    When it comes to modifying your car's exterior, minor changes like a new paint job matching the RC or tasteful decals usually do not raise concerns. But extensive bodywork modifications such as flared fenders, custom hoods, and wider tires could pose issues for insurance companies. These alterations might compromise the structural integrity and handling of the vehicle, increasing risk in the eyes of insurers. Additionally, aftermarket lights of different colors and intensities could impact visibility, potentially leading to insurance denial if not pre-approved.

    Performance modifications, such as turbochargers or nitrous oxide systems to enhance engine performance, are a particular worry for insurers. These enhancements can significantly increase the vehicle's power and speed, raising the risk of accidents. Changes made to the suspension system to lower or raise the car's height, while providing a customized look, can negatively affect handling and ground clearance, leading to insurance coverage concerns.

    It is essential to inform your insurer when opting for modifications. When you initially get insurance, the policy cost is calculated based on your car's details. If you make modifications that increase your car's value, you must inform the insurance company about these changes. Failure to do so could result in claim rejection or payment only for the original parts covered in the policy in case of damage, such as in a natural disaster. Keeping your insurer updated is crucial to avoid potential issues.


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