Whether you're installing a roof box for a family holiday or changing the appearance of your car, you need to make sure that you keep your insurer informed of any changes that might impact your cover.

It’s worth being aware that not all modifications may be accepted, so it’s always best to check with your insurer first, while other modifications could increase how much you pay for your cover.

If you go ahead without checking with your insurance company, you could risk invalidating your policy. That means any claim you make may not be paid.

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 be considered a modification, so make sure you know where you stand and always 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. 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. If you’re unsure, you can check your vehicle handbook for maximum load and towing limits.
• Make sure your bike doesn’t hide any of your number plate – if it does, you’ll need to fit a light board.
• If you’re using a tow bar, make sure it meets Government type-approval standards.
• 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.
• When driving, be mindful of how the load you're carrying can affect your car. For example, you’ll need to allow a greater stopping distance, be careful on corners, and allow extra time to accelerate.
• 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.
• Make sure everything is securely fastened, so it can’t fall or endanger other road users.
• Remove racks when you’re not using them to reduce your fuel 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 your car that were made by a previous owner are also likely to be considered modifications, so make sure your insurer is aware of any modifications your car has had since it left the factory.