It is very common to see more and more cars on the road with a special paint job or a specific exhaust pipe... In any case, it is essential that our insurance policy includes of car those extras with which we have upgraded our vehicle are declared. Let's see why.
Car insurance extras
When we buy any car, when it comes to budgeting for the auto insurance, one question is a must: “Does your vehicle have extras?”
This question is asked because, not to include an extra in the policy, will happen:
- They break a tinted glass, Even if we have glass cover contracted, they will only provide normal cover unless we declare the cost of this extra in the insurance policy.
- We have an All Risk and we crash into our brand new car to which we have applied an matt paint beautiful. No matter how much All Risk we have, if the paintwork that may have cost us €4,000-7,000 has not been declared, they will apply a normal one, or we will have to pay the extra cost.
- If we have a Third Party insurance with theft, and the window is broken and the car is stolen, we will have to pay for it. integrated sound system you have just installed, we will not be covered by the policy unless we have stated the cost of this extra.
These examples serve as a reminder of the importance of declaring accessories that we add to the model that comes as standard from the dealer.
The peculiarities of tuned car insurance
As noted above, it is clear that such improvements should be discussed with our insurance broker or auto insurance company.. However, it will be essential that the tunning we have done to the vehicle is legal, otherwise we have a serious problem.
There are certain modifications to the car, which must be “made to the car".“approved”. The Vehicle Retrofitting Manual, The European regulated directive on the type-approval of changes, which takes a series of steps (depending on the relevance of the change made), determines which changes must be approved.
It will be important to have your trusted workshop help you with this to ensure that you have no problems, as if you do not comply with the law:
- Insurance will not cover the repair
- You could be fined for this
Our advice is to have a trusted workshop to help you with upgrades and their homologation, such as with a insurance broker that will guarantee you peace of mind and be well covered if anything should happen to your car that you have spent so much money tuning.
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