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Modified Van Insurance – Everything you need to know
As they depart the lot, drivers don’t maintain their vans; instead, they make a variety of innovative and cosmetic changes to fit all these needs. Modifications, however, have an impact on your van insurance. Any changes must be disclosed when applying for insurance.
You could even need to pursue a specialised modified van policy if the changes are significant. Failure to disclose modifications may result in coverage issues for your van’s features or policy cancellation.
Modified van insurance refers to a type of coverage that is specifically designed for vans. Unlike traditional modified car insurance, modified van insurance account for certain modifications made to the vehicle that can affect its value and performance. This can include larger wheels, extra shock absorbers or suspension systems, custom paint jobs or decals, and more.
When you purchase modified van insurance, you can typically choose from a range of coverage options that are tailored to the specific needs of your vehicle. This can include things like collision and comprehensive coverage, as well as optional extras like roadside assistance and breakdown cover.
Importance of having modified van insurance
Van insurance is an essential aspect of owning a van, as it protects you and your vehicle in the event of theft or damage. While regular insurance will cover your van, certain modifications can increase your risk significantly. For this reason, investing in modified van insurance is important to ensure that you are adequately protected at all times.
One of the most common reasons for needing modified van insurance is if you’ve added a new engine, such as a turbocharger or supercharger. While this can increase your power and performance on the road, it also makes your vehicle more likely to be targeted by thieves.
In addition, these types of engines are more likely to be damaged in an accident, so it’s important to have the right coverage in place. Other modifications that may require additional insurance include aftermarket audio systems, custom paint jobs, and lowered suspension systems.
Things that count as modifications in modified van insurance
A modification is anything that changes the way your car looks and/or works. Some common modifications include things like:
- Changing your car’s bodywork, such as putting on new paint or a spoiler
- Changing the engine
- Wheels or suspension
- Adding stereo systems
- Adding Navigation screens
- Installing other electronic devices into your car
Many insurers won’t cover modifications at all, while others charge extra to insure these things in particular. But some insurers will provide tailored policies and premiums to meet the needs of those with modified cars.
Do tinted windows count as a van modification?
This is a question that many people have wondered about, and the answer can vary depending on who you ask. Generally, tinted windows are considered to be a van modification because they change the appearance of the vehicle. However, some states may classify them differently, especially if they are only a light tint or are applied to the windshield rather than the windows.
If you are considering installing tinted windows on your van, it is important to check with the relevant authorities to find out if this modification is permitted in your area. In general, however, tinted windows can be a great way to customize your van and make it stand out from the crowd. So, it depends on where you live and what type of tinting you are planning to apply to your vehicle.
Types of Coverage
Modified van insurance is designed to cover a wide range of situations, including accidents and other damages. Some of the significant policies that are included in modified van insurance include:
- Third-party: This is the minimum coverage required by law, as well as the most basic. It protects you from any injury to third parties or vehicle damage. However, it won’t pay for van-related damages. It won’t protect you either if you get into an accident or if someone breaks into your vehicle and takes your gear.
- Third-party, fire, and theft: This provides you with third-party coverage as well as insurance against fire or theft.
- Comprehensive: It covers full third-party, fire, and theft insurance coverage. Additionally, if you have an accident, it will pay for the costs of repairing your van.
Ways van modifications affect insurance cost
There is no definitive answer to the question of whether or not van modifications affect insurance costs, as this will depend on several different factors. Some modifications will increase the cost of your insurance premiums, while others may have no impact at all.
Some common modifications that may affect your insurance costs include adding extra safety features, modifying the engine or suspension of your vehicle, and installing aftermarket parts.
Factors that will also play a role in determining how much your insurance costs will go up include the type of modification you make, how often you use the vehicle, and how many miles you drive each year.