Some people like to add a few personal touches to their cars. If this is you and you want to know how to cover them, keep reading.
Please note that we may not cover some accessories and have a set value that we will insure you for.
What are accessories and modifications?
Non-standard accessories and modifications added to your car can be covered under the optional 'Accessories and Modifications' benefit on your Comprehensive Car Policy.
This benefit helps us know exactly what we're insuring and keeps your car covered for all the personal touches you've added, not just the generic model from the shop floor.
Click How to add accessories and modifications to jump straight to the steps.
|
Modification/Accessory |
Description |
|---|---|
|
Mag wheels |
Depending on the type and size, prices vary between $200 and $20,000 per set so you'll want them covered. |
|
Exhaust |
Increases power and fuel economy |
|
Turbo-chargers |
If the size or make of the turbo has been changed or if one has been added to the vehicle it can add a lot of horsepower |
|
Bigger intercoolers |
This is an expensive modification and we may not insure this. This increases air flow and adds power to the vehicle, This modification is usually in addition to a non-standard exhaust |
|
Turbo timers |
These are used to help the turbo during cool down after a drive. They are a reliability aid – nothing more. Some companies have added to this a boost gauge so you have two accessories in one |
|
Body kits |
These add to the looks of a car, but they can also help improve handling |
|
Blow-off valves |
These release air pressure during gear changes to make a turbo charged car more responsive under acceleration |
|
Air Intake modifications |
Adds horsepower through cleaner colder air |
|
Adjustable boost |
Increases or decreases boost pressure in turbo |
|
Aftermarket computers |
Adds a minimum of 80hp |
|
Uprated computer chip |
Adds up to 30% more horsepower |
|
Extra fuel injectors |
Adds horsepower and adds boost if it is turbo-charged |
|
MOMO and recaro |
Makers of aftermarket steering wheels, gear knobs, mag wheels, racing seats and other accessories. “Boy Racer” material |
|
Gauges and tachometres |
Used to measure temperatures, pressures, electrical currents or turbo boost these gauges are often used as an aesthetic accessory for “Boy Racer” cars |
|
Car stereos, speakers and in car entertainment systems |
Basic speakers, full competition systems, tape decks can be exchanged for CD players, in-car laptop setups, TV screens and in-car DVD systems |
|
Nitrous oxide or NOS |
At the push of a button it can add 100hp or depending on the installation may even double the power of the car |
|
Lowered suspension |
This lowers the centre of gravity of the car to improve handling. The manufacturers include King Springs, Pedders, Koni, Jamex, Bilstein etc |
|
"Airbags" (or airbag suspension) |
Airbag suspension is a type of suspension that works on putting compressed air into a suspension "bag" or "bladder" via remote, controlled from within the car. Putting more air in or taking air out will raise or lower the cars ride height and centre of gravity |
|
Chameleon paint
|
This is that quite amazing paint on vehicles you sometimes see – the vehicle appears green/brown/purple and changes colours depending on the light and the angle you look at |
| Vinyls |
These are vinyl stickers that are often pre-painted and designed to enhance the look of a vehicle. They are applied panel by panel and an entire job can cost thousands depending on the design, detail and fitting |
How to add accessories and modifications
During a quote you have the option of adding any modifications and accessories.
You will be given a list of options which you should fill out with as much information as you can.
If you already have a policy, you can simply add any accessories and modifications by selecting edit all or expand all and editing the relevant section on My Insurance.
Still unsure? Fire up a live chat or contact us, we are here to help.