Must I tell my insurer before modifying my car?

The Transport Department’s alterations guidance, reproduced in its testing-centre code, tells owners to consult their insurer before modifications. It warns that failing to consult may void cover and expose the owner to litigation costs. This is a warning about risk, not a finding that every undisclosed alteration produces the same outcome. [C1]

The guidance says to seek manufacturer or vehicle-agent advice before changing tyre dimensions or load capacity. Its notifiable-alteration material includes wheels among changes potentially affecting safety or emissions. Describe the proposed parts and vehicle to the insurer before installation, rather than assuming a wheel or tyre change is too minor to mention. [C1]

The government explains that vehicles must meet roadworthiness requirements and advises consultation with manufacturers, dealers and insurers before alterations. Treat technical compliance and insurance acceptance as separate questions. A workshop’s view or a vehicle examination does not provide the insurer’s answer about your contract. [C1, C2]

Send the insurer the proposed alteration and ask what details it needs, whether it accepts the change and how that acceptance will be recorded. Obtain technical advice from the manufacturer or vehicle agent and ask the Transport Department about applicable alteration requirements. If the car is already altered, disclose the actual position and ask for a written response; this guide cannot confirm continuing cover. [C1, C2]

Should I wait until renewal to mention a modification?

The guidance says to consult the insurer before making alterations. [C1]

Does a wheel or tyre change merit a check?

Yes. The guidance specifically addresses tyres and includes wheels in alteration material. [C1]

Does manufacturer advice replace insurer consultation?

No. The guidance calls for consultation with both, for their respective roles. [C1]

Can a workshop guarantee my policy still covers me?

Obtain the insurer’s response about your contract rather than relying on workshop reassurance. [C1, C2]

Is every modification permitted if insured?

No. Vehicle construction and roadworthiness requirements still apply. [C2]

Does every undisclosed alteration automatically void cover?

The guidance says cover may be voided; it does not decide every contract or claim. [C1]

Who should help if cover is disputed?

Ask the insurer for its reasons, a licensed broker about policy wording and a lawyer about a legal dispute. [C1, C2]

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General information, not advice.