Insurance
 

Anyone here ever told their insurance they modified their car?
Should I do it too? Or best leave it?

Sent from my SM-G960W using Tapatalk

It depends. You might spend a little more on insurance but if you wreck your car and aftermarket stuff gets damaged you might get the money to replace that stuff. It’s up to you. But some insurance companies don’t even pay for that. It’s best to call and ask if they insure aftermarket stuff on a vehicle.


Sent from my iPhone using Tapatalk

You have Progressive? They cover up to 6k in upgrades automatically.

Im with aviva

Sent from my SM-G960W using Tapatalk

I have my wheels covered, just called them told them I had aftermarket wheels and sent them a invoice of how much I paid for them

Sent from my GM1915 using Tapatalk

I had geico. When someone rear ended me insurance looked over my vehicle and did an estimate (looking up tail lights). Took it to a shop and they had to replace the exact same aftermarket light or cut me a check for what the amount it would be if they couldn't replace it.

I don't tell them.

If you want them to replace your parts or assess the value of your car appropriately then tell them.

I do not tell them, but it is up to you and your financial tolerance for loss. Generally for smaller items you will better off putting your money into a savings account.

OP is in Canada and the rules are a bit different here.
Undeclared modifications will NOT be covered under most policies. They will only cover repairing/paying for the stock vehicle value.
If you want to have the value of mods covered you need to tell them so they can adjust your premium to reflect the value. You would need to speak to your company to find out how much that would cost but it is usually peanuts. My exhaust, tint (it is a mod) spoiler and lowering springs cost me a whole $4 a year above the stock premiums.
There are no penalties to not telling them beyond not having the mods covered.

Chances of lowering springs getting totaled .01%
However covering window tint and exhaust for $4 a year is a good deal. It will take you not having a loss for 250 years to lose money.

Agreed 100%

Well if the car gets totaled the springs go with it. No single item is a huge value but it all adds up.

👍