Why do modifications drastically alter car insurance premiums?
With modifications youre paying as much for the reputation of other drivers as you are for the parts themselves. Generally modified cars are seen as high risk among insurers as they are particularly popular among boy racers and if you are a young driver with a modified car then many insurers will refuse to offer you a quote altogether. The more experienced you are behind the wheel, the more leniency the insurers are likely to offer. However, modified cars still present higher risks. It goes without saying that a car that looks good is more likely to be a target for thieves and vandals than a conventional vehicle, particularly among young criminals looking for a high-speed joyride. Features such as alloy wheels are particularly attractive to thieves and so security can become an issue. Cars with larger engines will always face higher car insurance quotes too regardless of whether they are modified or not. The higher speeds they can achieve, the more likely they are to be involved in an
