Car modifications can be an exciting way to personalise your vehicle, improve its performance, or enhance its aesthetics. However, before you start making changes, it’s crucial to understand the legal implications of certain car modifications, which can result in hefty fines and penalties.
This guide will cover the ins and outs of car modifications, including what’s allowed, how it affects your insurance, and tips for modifying your vehicle responsibly.
What is car modification?
Car modification refers to any changes made to a vehicle after it has left the manufacturer. These changes can range from simple cosmetic tweaks to complex performance upgrades. While some modifications are designed purely for aesthetics, others aim to improve the car’s functionality or performance.
What are the different types of car modifications?
There are two main categories when it comes to car modifications: cosmetic modifications and performance modifications. The differences are as follows:
Cosmetic modification
Cosmetic modifications alter the appearance of a car without affecting its performance. Common examples include body kits, custom paint jobs, tinted windows, alloy wheels, and spoilers. These changes are primarily for personal style and may have little to no impact on how the car operates.
Performance modification
Performance modifications, on the other hand, are designed to enhance the vehicle’s power, handling, or efficiency. Examples include turbochargers, upgraded exhaust systems, suspension changes, and engine remapping. While these can make your car faster or more responsive, they often come with stricter legal and insurance considerations.
There are also other forms of modification such as EV and camper conversions but the above two are the most common.
What car modifications are illegal in the UK?
Certain modifications are illegal in the UK due to safety and environmental concerns. Bear in mind that garages that carry out illegal modifications can also be prosecuted.
Some of the major illegal modifications include:
Tinted windows
Window tints are allowed to an extent but there are restrictions. Front windscreen and front side windows must let at least 75% and 70% of light through, respectively. Overly dark tints can result in fines and penalties.
Neon lights
Neon lights can be added beneath the car but are illegal if they’re not concealed or they are too bright, causing distractions to other drivers.
Loud exhausts
The exhaust must not exceed 74 decibels. Excessively loud exhausts can lead to fines or even an MOT failure.
Illegal number plates
Custom number plates that don’t meet the DVLA standards in terms of size, spacing, and reflectiveness can result in fines.
Illegal engine remapping
Any modifications that result in increased emissions or do not meet UK emissions standards are prohibited.
Unsafe spoilers
While modifying spoilers isn’t illegal, a spoiler that isn’t safely fasted to the car can land you in trouble with the police.
If you plan on driving your car abroad, consider that certain modifications could attract the attention of local police as rules can vary from country to country.
How does modifying your car impact insurance?
Modifying your car can significantly affect your insurance premiums. Insurance providers consider modified vehicles to be higher risk due to increased chances of theft, accidents, or expensive repairs. You are legally required to inform your insurer of any modifications. Failing to do so could invalidate your policy, leaving you without coverage in the event of an accident.
However, there are also modifications which could help increase the safety of your vehicle and could help reduce your premiums. Either way, it’s essential to let your insurer aware of any changes as soon as possible.
Modifications which commonly increase car insurance premiums:
- Alloy wheels
- Superchargers
- Turbochargers
- Performance air filters and intakes
- Bodywork upgrades
- Exterior cosmetic changes (spoilers, paint jobs, tints etc)
- Interior cosmetic changes (upholstery, sat navs, audio, air con etc)
- Sunroof
Modifications which could decrease car insurance premiums:
- Additional technology which could improve safety (parking sensors, immobilisers)
- Engine downsizing
- Insurance approved telematics box
- Insurance approved alarm
- Insurance approved tracker
Should I buy a used car with modifications?
Buying a used car with modifications can be appealing, but it’s essential to do thorough research. Check whether the modifications are legal and if they’ve been declared to the insurance company. You should also consider potential issues with reliability or safety. Have a professional mechanic inspect the car to ensure all modifications were done correctly and don’t compromise the vehicle’s integrity.
Can I modify a car I’ve bought on finance?
Modifying a car bought on finance can be difficult as you aren’t the legal owner of the vehicle until the amount has been paid in full. Most finance agreements include clauses that restrict or prohibit modifications. Altering the car could breach the terms of the contract, leading to penalties or even repossession of the vehicle.
In certain circumstances, you may be able to get written permission from the finance provider. Always consult your finance provider before making any changes no matter how small you think the modification is.
What are some tips if I do modify my car?
If you’re considering modifying your car, remember the following points:
Check the law
Ensure any modification complies with UK law and road safety standards.
Inform your insurer
Always notify your insurance company about any modifications to avoid invalidating your policy.
Use professionals
Have modifications carried out by qualified professionals to ensure they’re done safely and to a high standard.
Keep documentation
Retain all receipts and records of the modifications for reference, especially when selling the car or renewing insurance.
Consider resale value
Remember that not all modifications increase your car’s resale value. Some may make it harder to sell.
Modifying your car can be a rewarding experience, but it’s crucial to stay within the law and consider the potential impacts on your insurance and resale value. By following these guidelines, you can enjoy a modified car that’s both legal and safe.
