Car modifications that can void your insurance in India: Important things to know

Car modifications are increasingly becoming popular in India as owners now tend to add a personal touch to their vehicles. However, it is important to note that making drastic changes to your cars is not only illegal but can also void your insurance policies. Usually, there are two types of car insurances - third-party and comprehensive insurance policy.The latter also covers the damages caused to your vehicle. Here, let’s take a look at what kind of modifications can risk your insurance coverage.
Exterior updates
While minor modifications like a fresh paint job (the same that is mentioned on the RC) or tasteful decals typically pose no issue, extensive bodywork modifications such as flared fenders, custom hoods, and wider tyres could be a matter of concern for the insurance company as these changes might compromise the structural integrity and handling of the vehicle, heightening risk in the eyes of insurers.
Furthermore, modifications such as after-market lights (of different colour and intensity) can impact visibility, potentially resulting in insurance denial if not pre-approved.

Performance mods
Modifications such as enhancing engine performance by using turbochargers or nitrous oxide systems, are of particular concern to insurers. These enhancements have the potential to significantly boost the vehicle's power and speed, thereby increasing the likelihood of accidents.
Similarly, modifications made to the suspension system to lower or elevate the car's height may provide a custom appearance but can adversely affect handling and ground clearance. In such cases too, there’s a risk of insurance coverage concerns.
Why you should inform the insurer when opting for modifications?
When you get insurance, they'll note down your car's details and calculate the policy cost. If you modify your car and its value goes up, you must tell the insurance company about the changes. If you don't inform them and your car gets damaged, like in a natural disaster, the insurer might reject your claim or pay only for the original parts covered in the policy. It's important to keep them updated to avoid these issues.