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Auto insurance for modified cars can be more expensive than insurance for a standard vehicle due to the increased risk associated with modifications. This is because modifications can affect a car’s performance and handling, making it more prone to accidents and damage.

When insuring a modified car, it is important to inform the insurance company about all modifications made to the vehicle, as failure to do so could result in coverage being denied in the event of a claim. Some insurance companies may require an appraisal or inspection of the vehicle to determine its value and the potential impact of the modifications on its safety and performance.

It is recommended to shop around and compare quotes from different insurance companies to find the best coverage options and rates for a modified car. Some insurance companies may specialize in insuring modified vehicles and may offer more comprehensive coverage options.

When considering insurance for a modified car, it is also important to consider factors such as the type of modifications made, the value of the vehicle, and the driver’s driving history. By taking these factors into account, it is possible to find insurance coverage that provides adequate protection for the vehicle and its modifications, at a price that is affordable and meets the driver’s specific needs.

Insurance companies may specialize in insuring modified vehicles

Here is a list of insurance companies in Canada that may specialize in insuring modified vehicles:

  1. Hagerty Canada
  2. Grundy Worldwide
  3. Classic Auto Insurance
  4. Leland West Insurance Brokers
  5. American Collectors Insurance
  6. J.C. Taylor Insurance
  7. Haggerty Insurance
  8. Antique Automobile Insurance
  9. Chubb Collector Car Insurance

Note: This list is not exhaustive and insurance companies can change their offerings from time to time. It’s important to shop around and compare quotes from multiple insurance companies to find the best coverage for your modified vehicle.

What Are Modified Vehicles

modified cars

Modified vehicles, also known as custom vehicles or modified cars, are vehicles that have been altered or customized in some way, typically beyond the manufacturer’s original specifications. This can include modifications such as engine upgrades, suspension modifications, body modifications, custom paint jobs, and interior upgrades, among others.

Modified vehicles are typically owned by enthusiasts who want to personalize their vehicles and make them unique, but they can also include racing vehicles, hot rods, and other specialty vehicles.

Because of the modifications made to these vehicles, they can often have higher performance capabilities and may also be at a higher risk of damage or loss than a standard, unmodified vehicle. As a result, modified vehicles may require a different type of insurance coverage, or may not be eligible for coverage from certain insurance companies.

When it comes to insuring a modified vehicle, it’s important to understand the specific risks associated with your car and to choose an insurance policy that will provide adequate protection in the event of an accident or damage to the car.

Should You Disclose Car Modifications To Insurance Company

could result in your insurance policy being voided in the event of a claim.

When you purchase car insurance, you are required to provide information about your vehicle, including its make, model, and any modifications that have been made. This information is used by the insurance company to determine the level of risk associated with insuring your vehicle and to calculate your insurance premium.

If you have made any modifications to your vehicle, it is important to disclose them to your insurance company. This includes any modifications that may affect the vehicle’s performance, such as engine upgrades, suspension modifications, and body modifications, as well as any modifications that may affect its safety, such as the installation of safety equipment or roll cages.

By disclosing all modifications to your insurance company, you can ensure that you have the right coverage in place to protect your vehicle in the event of an accident or other loss. Your insurance company may require additional information or documentation about your modifications, so be prepared to provide this information as needed.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.