Myths vs. Facts About Insurance and Car Modifications

Car modifications have grown in popularity, with many car enthusiasts enhancing their vehicles for better performance, aesthetics, or functionality. However, this trend is surrounded by myths, particularly when it comes to how modifications affect car insurance. This guide separates fact from fiction and provides clarity on spacers, springs, and other common modifications, using real examples.

Myth 1: All Modifications Automatically Void Your Insurance

Fact: Not all modifications void your insurance. While some modifications, like performance upgrades, may increase your premium, others, such as adding parking sensors or dash cams, can actually lower it. The key is transparency—always disclose modifications to your insurer.

Example: A driver added spacers to their car for improved wheel alignment but failed to inform their insurance company. When they filed a claim, the insurer refused it, citing non-disclosure.
Pro Tip: If you’re considering modifications like suspension tuning, consult your insurer beforehand to understand the impact on your policy.

Myth 2: Cosmetic Modifications Don’t Need to Be Declared

Fact: Even minor cosmetic changes, like custom paintwork or decals, need to be disclosed to your insurer. While they may not affect your vehicle’s performance, insurers view them as potential risk factors for theft or damage.

Real Scenario: A driver installed custom springs for a lower ride height without informing their insurer. When the car was involved in an accident, the insurance company refused to cover the damage due to undeclared modifications.
Related Tip: Learn about the importance of using genuine spare parts for modifications to avoid unnecessary disputes.

Myth 3: Modifications Always Increase Insurance Premiums

Fact: Not all modifications lead to higher premiums. Changes that enhance safety, such as installing anti-theft devices, parking sensors, or reversing cameras, can reduce your premium. However, performance upgrades typically result in higher costs due to increased risks.

Example: A car owner added spacers and larger wheels, expecting a steep insurance hike. However, their insurer only made a small adjustment after confirming the changes didn’t significantly increase risk.
Pro Tip: When adding features like reverse cameras, ask your insurer if these upgrades qualify for discounts.

Myth 4: Modifications are Illegal Without Approval

Fact: In Kenya, modifications are legal as long as they adhere to NTSA regulations and safety standards. However, extreme modifications, such as altering vehicle height or performance, may require additional inspections or approvals.

Helpful Resource: Read about how to prepare your car for NTSA inspections after modifications.

Myth 5: Aftermarket Accessories Don’t Affect Insurance

Fact: Accessories like spacers, custom rims, and high-performance springs can significantly influence your vehicle’s value and risk profile, requiring them to be declared. Failure to do so could lead to claim denials.

Example: A driver upgraded their suspension with performance springs for off-road use but didn’t disclose it. When an accident occurred, the insurer reduced the claim payout due to undeclared modifications.

How to Avoid Issues with Insurance and Modifications

Communicate with Your Insurer: Always disclose modifications, no matter how minor they seem.
Use Approved Parts: Stick to high-quality or genuine parts for all upgrades.
Document Modifications: Keep receipts and proof of installation for easy reference during insurance claims or inspections.
Know the Laws: Familiarize yourself with Kenyan laws regarding vehicle modifications to avoid legal issues.

Final Thoughts

Understanding the myths and facts about car modifications and insurance can save you from costly mistakes. Whether you’re upgrading your suspension, adding spacers, or considering a new paint job, transparency and proper planning are key. Consult experts like Automotive Doctor Motor Garage for professional advice on safe and legal modifications.