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What constitutes as ‘Modified’?

An interesting report published by BIBA on ‘Modified Vehicles’ reveals the common misconceptions made by consumers. The term ‘modified’ is widely associated to performance enhancement, though this pitfall can leave you in a spot of bother and without any cover. In fact, the term ‘modified’ can relate to pretty much any changes made to a vehicle from the standard manufacturer’s specification, which includes cosmetic alterations as these can make the vehicle more attractive to thieves, increase the risk of vandalism and incur higher repair/replacement costs of any non-standard parts. You might be surprised to learn that this can go as far in some cases as roof racks, tow-bars, locking wheel nuts, optional extra’s fitted to a standard new car being bought in the showroom and even winter tyres, to name but a few.

It is important to bear in mind that there is no one rule as every insurer has a different approach, so we recommend you err on the side of caution and advise your broker/insurer of ANY changes you are aware of or to the best of your knowledge, and if purchasing second-hand, it would be prudent to request this information from the seller.

To read the report in full, please find attached BIBA Report on Modified Vehicles

motorinsurance BIBA broker modifiedvehicles johnsoninsurance


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Johnson Insurance Services is a trading name of Johnson Insurance Services Ltd which is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference no. 784664. Johnson Insurance Services Ltd is registered in England & Wales no. 10822509 at Commer House, Tadcaster, North Yorkshire, LS24 9JF