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Performance enhancing engine tuning is likely to increase your car insurance premiums as more powerful cars tend to be involved in more expensive accidents. You must tell your insurer so they can set your premium accordingly.
Car modifications have come a long way from the days of go-faster stripes, furry dice and personalised number plates. In recent times technological advances have made relatively inexpensive, attractive mods, such as sleek custom paint jobs, and engine upgrades are very much in vogue.
Discerning drivers have leapt at developments in braking technology to enhance their driving experience, and these too are becoming even more popular. That said VW Golfs, Beetles, MINIs and other mod-friendly cars, fitted out with alloys, upgraded stereo systems and tinted windows, remain far from rare on UK roads.
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Most drivers modify their cars to make them stand out, either cosmetically or in performance terms. Unfortunately, these alterations can have unwanted consequences. A car with a flashy paint job could provoke a jealous passer-by to vandalise or steal it, while a thief may work at removing pricy alloys or a spoiler.
Engine upgrades can also result in higher premiums because a more powerful car can do more damage in an accident. Also, claims, in general, tend to be higher in value as the enhancements cost more to repair or replace.