Churchill magazine

Tips on fitting accessories to your car

Updated on: 6 April 2021

Man putting bike on roof rack

Whether you're installing a roof box for family holiday or changing the appearance of your car, you need to make sure that you keep your insurer informed of any changes which might impact your cover. If you go ahead without checking with your insurance company, your cover could be void.

Fitting accessories to the outside of your car

Even if it’s only a few times a year or a temporary fix, adding accessories to the outside of your car may still be considered a modification, so make sure you know where you stand and check with your insurer.

Choosing roof boxes, racks and tow bars

They’re perfect for adding storage space if you go on regular road trips or family holidays. To help reduce the risk of having a road accident, follow the fitting instructions, and if you get stuck, use a professional fitting service. 

Here are our tips:

  • Stick to the limits of how much your car can carry at one time.
  • Make sure your bike(s) don’t hide any of your number plate – if they do you’ll need to fit a light board.
  • Double-check that fastenings and locks are 100% secure before and after journeys.
  • Keep in mind that roof boxes, racks and accessories may affect the movement of your car, especially when driving in high winds and on motorways.
  • Remember that anything on your roof will increase the height of your car, so avoid driving through low-level bridges unless you know for sure that you have enough clearance.
  • Remove racks when you’re not using them to reduce your petrol consumption.

What might be considered a modification

Things which could be considered a modification by your insurer include changes to the appearance and/or the performance of your car, including:

  • Wheels
  • Suspension
  • Bodywork
  • Engine

Changes to the car by a previous owner are also likely to be considered modifications.

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