Auto/insurance.  Modified Car, Tuning: Should You Notify Your Insurance Company?

Auto/insurance. Modified Car, Tuning: Should You Notify Your Insurance Company?

Tuning (or customization) is permissible and acceptable in the legal framework of the Highway Code, which provides for the prohibition of removing the muffler from the exhaust, as well as the installation of very powerful tinted filters that can reduce the driver’s good vision.

Modifications must not endanger the life of the driver and its occupants and any significant modification must obtain approval from Drire (Regional Directorate for Industry, Research and the Environment) or Dreal (Regional Directorate for Environment, Planning and Housing), which must decide to accept the vehicle on an isolated basis.





Today’s customization goes a lot through rims and body-height adjustment, with modified suspension systems. picture d


What are the targeted changes?

The so-called notable modifications relate to: engine, steering, brakes, weight, chassis, wheelbase, tracks, number of doors, rims and tires, headlights and lighting, or even the number of doors and number of seats.

State services must inspect the car before issuing a new gray card.

We remind you that without consent, you cannot drive on public roads.



Tuning also includes the search for performance: the exhaust pipes, the search for power or more aggressive braking.  Modifications that change the price of the car;  Insurance must take these changes into account so that it can compensate at the appropriate rate in the event of a claim.  Picture ADP

Tuning also includes the search for performance: the exhaust pipes, the search for power or more aggressive braking. Modifications that change the price of the car; Insurance must take these changes into account so that it can compensate at the appropriate rate in the event of a claim. Picture ADP


Your obligations to the insurance company

All vehicles, including those that have gone through the “tuning” box, must be insured.

The owner of a vehicle that has undergone one or more modifications by adding and changing spare parts must compulsorily notify his insurance company. By knowing the details of the modifications that have been made, both internal and external, the insurance company will be able to assess the financial risks of covering the modified car.

The insurance contract will be adapted to the risk but also to the revalued value.

Your risks if you do not authorize

If you do not notify your company of the modifications made to your vehicle, your contract may be terminated for “intentional misrepresentation,” and in the event of an accident, the insurance company may refuse to compensate you in part or in whole.

Even worse, if the added parts are the cause of the loss, you will be held responsible. So you will have to face possible legal action from the victims, as well as from your insurance company.

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