Quick Insurance Tips For Modified Cars

Kanetix.ca recently visited Importfest, known as "Canada's biggest and baddest car show," to talk to car owners about modified vehicles. Did you know certain modifications can render your auto insurance policy invalid, meaning you could be out of luck (and thousands of dollars!) in the event of a claim?

The following tips will help ensure you and your vehicle are protected no matter how decked out your ride is.

Related Guide: Mind The (Car) Modifications: Souped Up Cars

1962 Chevrolet Impala by Taylor’d Customs (www.taylordcustoms.com)

1962 Chevrolet Impala by Taylor’d Customs (www.taylordcustoms.com)

1) Notify your insurance company before you make any modifications.

This will help ensure you're covered and prevent denied claims.

Mazda RX-7 (1986-1992)

Mazda RX-7 (1986-1992)

2) Know what your insurance company covers.

Modifications that increase a vehicle's performance above what it was designed to do may not be covered. Like any insurance product, it's best to check your policy and confirm with your provider what is and isn't covered. You may need to switch companies to get your desired coverage.

BlackList Rally Car: 2012 McLaren MP4-12C (Team LBCWT) (www.blacklistrally.com)

BlackList Rally Car: 2012 McLaren MP4-12C (Team LBCWT) (www.blacklistrally.com)

3) Know your limits.

Insurance companies will not pay more than $1,500 for loss or damages to electronic accessories for equipment other than what was factory installed.

The Nyanborghini Purracan by @Deadmau5 – 2015 Lamborghini Huracan

The Nyanborghini Purracan by @Deadmau5 – 2015 Lamborghini Huracan

4) Keep receipts for stereo and non-performance modifications, rims, etc.

This will ensure that you have proof they were in your vehicle in the event of total theft.

Infiniti G35 Sedan circa 2003

Infiniti G35 Sedan circa 2003

5) If your current company will not insure your vehicle, check with a high-risk market provider.

These specialized insurers will often cover things a standard auto insurance policy will not. For more information, see tip #6.

A Tim Burton Batmobile – 2JZ Powered Formula Drift Spec Subaru by NV Auto.

A Tim Burton Batmobile – 2JZ Powered Formula Drift Spec Subaru by NV Auto.

6) Call Kanetix.ca at 1-888-854-2503.

We'll help connect you with a company that can help ensure your modified vehicle has the coverage you need at a competitive rate.

Special shoutout to our CMO and resident car enthusiast Andrew Lo for helping us identify these rad rides, and to Kat Iles, our social media specialist, for snapping the pics.

  • Andrew

    @DeadMau5 's car. Glad he replace the Ferrari with the Lamborghini. They let him wrap the car the way he wants.

  • OneCanuck

    The 62 Chevrolet Impala pictured is, as I thought, a 61.