Car modifications are considered to be any changes that have been made to a car that differs from the manufacturers standard specification, regardless of how small it is.

There are many forms of modifications;

• performance modifications (changes that afffect how the car drives, accelerates, handles or brakes such as turbochargers, sports exhausts, suspension kits etc)
• cosmetic modifications (changes altering the look of the car such as alloy wheels, body kits, tinted windows etc)
• interior modifications (changes inside such as sports seats, sound systems etc)
• security modifications (these can reduce your premium too such as improved alarms and tracker devices).

Not declaring a modification can result in an insurer refusing to payout and your policy could also be voided.

Don't worry if you don't have the car yet, you can still get an insurance quote for the make and model you are looking at as long as you have the full spec.

The owner of the car is the person who bought it or the person who received it as a gift. This may also be a leasing company* (*there must be a minimum of 12 months left on the agreement). The registered keeper is the person named on the V5C log book and is the person who keeps the car on a day-to-day basis.

Insurers need to know what address the car is kept at for a policy to be valid. The location and storage conditions affect the level of risk the insurer is taking on through their insurance cover.

For your insurance to be valid, we need to know if this is the address your car is most regularly stored at overnight. The location and storage conditions affect the level of risk the insurer is taking on through their insurance cover.

Overnight location is particularly important due to the car's exposure to theft, damage and vandalism. Different postcodes also have different historical claim rates plus if you park on the street vs a driveway, you are at greater risk of the car being bumped, scratched or hit.