Dial Direct Insurance on Car Modifications

While to most South Africans Ferraris or Porsches or Lamborghinis may be out of reach, for just a few thousand Rand and upwards it's possible to modify most cars in one way or another.

Car modifications can range from anything as simple as upgrading a car's sound system or fitting new mag wheels or spoilers to something more complex and expensive as 'souping' up a car's engine by adding a turbo, nitrous oxide, high-tech chip management systems and more.

However, while it may be fun to build your own 'hotrod' or turn your garden variety snail of a car into a speeding bullet of a ride, you should be aware of the insurance implications.

At Dial Direct for instance, a client's car insurance policy will usually cover 'cosmetic' items such as spoilers and mags.

But when it comes to high performance or non-standard engines your Dial Direct insurance premiums will most probably be affected, as they would be with most other South African insurance companies.

The reason for this simply that a car that has been 'pimped up into a speed machine' is more likely to be involved in an accident then a 'standard' car as well as can be more desirable to car thieves and burglars.

This increased 'risk' to insurance companies like Dial Direct unfortunately comes at a price in terms of increased monthly insurance premiums or even non-coverage if a car is considered to be too much of a 'speed machine'.

If you have modified your car or are in the process of doing it up, be sure to call Dial Direct and find out what type of car modifications or changes will affect your coverage and monthly premiums.

You don't want to find yourself in a situation where you've spent tens of thousands of Rand doing up your car, only to discover in the event that it gets damaged or written off in an accident that your car  insurance policy is not applicable.

Call a Dial Direct consultant today and find out where you stand in terms of your car's insurance coverage and remember to check with Dial Direct every time you modify your car or vehicle in any way to ensure that you are always comprehensively insured.