Do OEM car 'accessories' affect insurance?

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  • Do OEM car 'accessories' affect insurance?


Answer #1 | 20/12 2013 05:57
If the vehicle rolled out of the factory with 'extra' stuff installed, you can bet it's part of the original vehicle. All manufacturers have their list of extra bells and whistles that are available on the LE model, the SE model, the EX model, and the S-EX models. They're actually usually just appearance packages, but the dealers will offer them to sweeten the deal for the buyer. They'll say stuff like "hey, I'm throwing in the Optional Rally Fun Pack, the fuzzy dice and rust treatment here... all total over $3000 in upgrades... and covering that cost myself for you, just because I want you to have this car. So what do you say?" while holding out a pen. But in reality, all you're getting is some extra plastic and a couple of decals. When insurance companies ask about modifications, they mean serious stuff. Like (just for example) if you bought your BMer and decided to replace the motor with a 383 4-barrel from a 1969 Dodge Charger. Or if you jacked up the suspension and put monster tires on it, plus a roll bar and replaced the stereo with Aerosmith's old stage PA. I'm getting a little ridiculous, but you get the idea. They mean stuff that truly affects the vehicle and its value. A manufacturer-approved upgrade package isn't a modification, even if it costs extra at the dealership.
Positive: 93 %
Answer #2 | 20/12 2013 06:54
Should not affect insurance but have to be declared to the insurer - you do not want to let them have a reason to wriggle out of paying a claim
Positive: 87 %
Answer #3 | 20/12 2013 11:27
A insurance provider can see exactly what OEM options are on a vehicle by simply looking at the VIN. They will not be counted or consider 'modifications'.
Positive: 67 %
Answer #4 | 22/12 2013 09:45
Some OEM accessories will affect the insurance. These are ones which either change the performance of the car or which increase its value, or both. You should always be safe and report any modifications, whether using OEM or third party parts, to your insurance company. If you don't report them then there will always be the risk that they won't honour any claim.
Positive: 35 %
Answer #5 | 23/12 2013 08:39
Those are included as part of the trim for that model and your insurance will be aware of them. If you add something after purchase, and want it covered by insurance, then it could have some impact.
Positive: 10 %

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