Car Insurance Does full coverage insurance cover aftermarket upgrades or modifications? By Insure.com's Editor | Updated on August 18, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. If you’ve added custom upgrades or modifications to your vehicle, it’s essential to know how your full coverage insurance plays into the equation. Let’s explore whether these enhancements are covered and what you need to consider. Coverage for aftermarket upgrades Standard coverage – Generally, full coverage insurance focuses on your vehicle’s original state. It primarily covers damages to your car due to accidents, theft, and other covered incidents as defined in your policy. Custom parts and equipment coverage – Some insurers offer optional custom parts and equipment coverage. This can extend protection to aftermarket upgrades, like special rims, audio systems, or custom paint jobs. However, this coverage might have limits and require you to specify each modification. Key considerations Disclosure – It’s crucial to inform your insurance provider about any modifications you’ve made. Failure to do so could lead to claim denials or reduced compensation. Documentation – Keep records of your modifications, including receipts and photographs. This documentation can help establish the value of your upgrades in case of a claim. Coverage options and recommendations Custom parts coverage – If your insurer offers custom parts and equipment coverage, consider adding it if you’ve made significant upgrades. This can help protect your investments. Specialized policies – For extensive modifications, you might explore specialized policies tailored to modified vehicles. These policies better account for the increased value of your customized car. Conclusion While full coverage insurance primarily addresses damages to your vehicle as it was initially manufactured, custom upgrades and modifications might require additional consideration. Optional custom parts and equipment coverage can be a valuable add-on to protect your aftermarket enhancements. Remember to communicate with your insurance provider and explore coverage options that align with your modifications, ensuring your vehicle is adequately covered. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes