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  • Zero Depreciation Cover
  • Engine Protect Cover
  • Roadside Assistance
  • Consumables
  • Invoice Cover
  • NCB Protector

Bajaj Allianz General Insurance Company

Kotak Mahindra General Insurance Company

The New India Assurance Company

HDFC ERGO General Insurance Company

Bharti AXA General Insurance Company

Royal Sundaram General Insurance Company

Liberty General Insurance Company

Shriram General Insurance Company

IFFCO TOKIO General Insurance Company

Future Generali Insurance Company

Universal Sompo General Insurance Company

The Oriental Insurance Company

Tata AIG General Insurance Company

United India Insurance Company

Digit Insurance Company

Why Is Modified Car Insurance Premium Expensive?

Modified car insurance

Enhancing car performance & look by “souping-up” your car by modifications. There are certain reasons why modified car insurance premium is high

  1. High cost involved in repairs & replacing the modified spare parts in case of damage to the vehicle.
  2. Unsafe driver behavior pattern behind the wheels.

A Modified car insurance policy might be hard to find, get your car with proper inspection to claim your right in the case of accidents, compare car insurance policy online on There are some cases where your car insurance premium is high, they are:

  • Residence where your car is placed
  • To what extent modifications were done to your vehicle
  • Insurer you opt for claim settlement

To avail optimum claim, leave the information regarding modifications to the insurer and request to take a vehicle inspection. Make sure to procure receipts for any repairs, also remember to use only reputed workshops for repairs and modifications.

Modifications that increase your car premium:

Auxiliary lighting

Chrome bumper

Front & rear spoilers

Alloy wheels

New internal equipment

Enhancing engine

The Indian government has strict rules for car modifications, a modified car needs to undergo “vehicle test” and should be approved by the government certified agencies. Indian car modification industry has upsurged to 120 crores in FY-2016-17. Car insurance premium varies from the modifications you made to your vehicle. 

Choose the best car insurance coverage

Most of the insurers cater “equipment insurance coverage” inclusive of comprehensive car insurance policy, to ensure the optimum claim for equipment installed. Also, check whether your car qualifies for the collector car insurance.

Minimize your car insurance premium

Spare your car usage: insurer lower their premium for low usage vehicles, restrict your vehicle only for weekends, special trips and use other vehicles for regular use.

Security: Security measures to protect a vehicle from your end like a special garage to park vehicle and anti-theft equipment to reduce the risk of theft.


Racing: If you are racing on a track and bang with an accident, in this case, you are not allowed to claim for damages. As clause sentenced by law, racing is not in ordinary course of driving.

Ensure to know your inclusions and exclusions of a modified insurance policy and find the best car insurance policy on, these are the factors need to consider while modifying your car. We compare the distinct car insurance policies online and quote you the best car insurance plan.


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