What you drive can be a reflection of your personality. Depending on the vehicle type and the modifications you make to it, you could be portraying yourself as adventurous, sensible or even posh. However, those personal touches, such as a roof rack, bumper stickers, new alloy wheels and more, may invalidate your motor policy.

Insurers classify modifications as either cosmetic, like that of a roof rack, or power related, like new alloy wheels. Regardless of how innocuous you may believe a modification is, contact your insurer to formally document what changes you have made. If you purchase a vehicle second-hand, disclose all modifications that have been made to it to your insurer.

While making modifications to your vehicle may not void your motor policy, there is the potential that your premium could be raised. Additionally, some insurers may charge a mid-term adjustment fee in order to update your policy to include the new modifications. Therefore, before you decide to make any modifications to your vehicle, consult your insurer to discuss how it may affect your policy, or contact Schofield Insurance Brokers on 0113 250 0377 for more information.