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Insurance does not necessarily stop insuring modified cars. They do, however, require you to detail in depth your modifications and request a revised estimate o
by altairprime 1y ago
Insurance does not necessarily stop insuring modified cars. They do, however, require you to detail in depth your modifications and request a revised estimate of them. If your modification is “downloaded an Internet program and ran it to break the ECU lock”, they may be uncomfortable and either raise your premium or ask you to find another insurer. If instead it is “applied the attached two-byte change to the manufacturer-issued software after tracing all associated uses and determining that it exclusively activates a manufacturer-offered feature for the vehicle that is legal in my insured region(s)”, they’re probably not going to change your premium at all. Their job is to charge you a fee for the risk you pose to them, and the more effort you show in documenting and mitigating the risks of your mods, the more likely they are to be cool about it.
- potato3732842 1y agoInsurance in the US DGAF, you just can't come to them later when a tree falls on it saying it ought to be worth more because of your sick modz. I assume Europe is way worse and that you can't even change tire/rim size without permission.
- altairprime 1y agoIt varies per region, whether you’re increasing body dimensions or power and by how much, and if you’re prepared to install a roll cage (look up Lithuania’s rules!).
- fc417fc802 1y agoMore accurately, in the US they might or might not care. When you make a claim they might choose to investigate and they could deny your claim if they think it's ultimately your fault. You can also choose to ask them for permission in advance but that's (usually, AFAIU) entirely optional.