{"id":84841,"date":"2023-04-12T09:52:44","date_gmt":"2023-04-12T09:52:44","guid":{"rendered":"https:\/\/www.dubizzle.com\/blog\/cars\/?p=84841"},"modified":"2023-04-12T09:52:44","modified_gmt":"2023-04-12T09:52:44","slug":"car-modifications-effect-car-insurance","status":"publish","type":"post","link":"https:\/\/www.dubizzle.com\/blog\/cars\/car-modifications-effect-car-insurance\/","title":{"rendered":"How Car Modifications Affect Car Insurance in the UAE"},"content":{"rendered":"\n

The UAE has strict rules and regulations regarding car modifications. Most modifications, even car colour changes, require a permit. Some modifications are prohibited by law and may lead to penalties. Moreover, modifications may also have an impact on your car\u2019s insurance. <\/p>\n\n\n\n

Depending on the type of modification, insurance providers may or may not increase the auto insurance cost of the vehicle. In this guide, we will shed light on basic modifications and their impact on auto insurance in the UAE. <\/p>\n\n\n\n

Car Modifications and Their Types<\/h2>\n\n\n\n
\"types
Car modifications can be of multiple types including performance-based, aesthetics and safety-enhancement modifications<\/figcaption><\/figure>\n\n\n\n

Car modification means company-fitted auto parts are replaced with aftermarket ones. Generally, the purpose of a modification is to increase the overall aesthetics, performance or efficiency of a vehicle. <\/p>\n\n\n\n

There are three main types of modifications: <\/p>\n\n\n\n

Aesthetic Modification<\/h3>\n\n\n\n

Aesthetic modification refers to changes that will change the vehicle’s appearance. It can be car paint, window tinting, vinyl or carbon fibre coating or adding a sunroof. <\/p>\n\n\n\n

Performance Enhancement Modification<\/h3>\n\n\n\n

Performance modification refers to any modification that increases the performance of the car. This includes engine modification, brake alterations, adding a new suspension system or installing aftermarket intakes.  <\/p>\n\n\n\n

Safety Enhancement Modification<\/h3>\n\n\n\n

These modifications ensure maximum safety of driver and passenger. Things like rear-view cameras, car trackers, anti-theft devices, and off-road bumpers<\/a> are included in safety modifications. <\/p>\n\n\n\n

Effects of Car Modifications on Auto Insurance<\/h2>\n\n\n\n

Car modification effects on car insurance can be both positive and negative, depending on the type of modification you opt for. For instance, safety enhancement modifications make cars more secure, reducing the chances of claims and premium costs. However, performance enhancement modifications include valuable car parts, which increase the chances of claims, resulting in higher premium costs.<\/p>\n\n\n\n

To cater to this issue, insurers offer modified car insurance policies. This insurance plan is specially designed for modified cars that cover all the aftermarket parts installed. <\/p>\n\n\n\n

Here are the complete details of the modified car insurance policy in the UAE. <\/p>\n\n\n\n

Modified Car Insurance in the UAE<\/h3>\n\n\n\n

The modified car insurance plan in the UAE aids owners to get coverage of their valuable aftermarket parts by paying a certain premium. The modified car insurance premium is generally higher than regular vehicle insurance. However, certain conditions apply, which may vary from insurer to insurer: <\/p>\n\n\n\n