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1.5 million drivers risk fines over 10 modifications you might not have declared
Tempcover said one in four UK vehicles has a non-factory modification, while 91% of drivers do not know infotainment upgrades must be declared.
- A Tempcover survey of 2,000 UK drivers found one in four vehicles features non-factory modifications, potentially leaving over 1.5 million motorists operating with invalid insurance coverage.
- Drivers often struggle to identify what constitutes a 'modification,' with 91% unaware that retrofitting Apple CarPlay or Android Auto requires disclosure to insurers.
- Omitting material vehicle changes can lead to insurance fraud, risking cancelled cover, fines, or penalty points; 14% of drivers with altered vehicles face reduced claim payouts.
- Cazoo motoring expert Michael Golson, motoring expert at Cazoo, warned that used cars often hide performance changes, with replacing tampered emissions equipment like a DPF costing around £1,000 to £3,500.
- Claire Wills-McKissick, temporary car insurance expert at Tempcover, recommends motorists check vehicle handbooks and review policy terms, confirming directly with their insurer if unsure.
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