It is common to add extra items to cars: design headlights, tinted windows, GPS, alloy wheels ... There are endless possibilities and combinations for owners of cars do your car something special. In Spain there are over 250,000 cars circulating tuning our roads.
Well, many people do not know that most insurance companies require that these facilities do not come standard are expressly stated in the insurance policy and car to be covered, depending on the value, and increase the cost of insurance.
Normally you need to take the car to a workshop agreed that tell you to pass the expert, see changes and accessories and validate for insurance.
A half usually used is that for every € 300 of accessories "serial no" built into the vehicle, the annual premium will increase by € 10, or € 3,000 which will be prepared for extra € 100 a year more insurance.
The first exception to this rule: the tow ball can be added as an extra accessory to car insurance coverages and generally does not raise the premium.But averages are just that, averages. Insurers have a wide disparity among themselves as to cover car accessories. Some we cover damage caused by non-standard accessories and not stated in the policy, as long as they are not audiovisual devices (DVD, audio, browser ...) or xenon headlights.Other insurance companies cover up to 300 euros, the excess of this amount, we must declare, and therefore pay a supplement.
Some companies cover without additional premium, all standard accessories and undeclared in the policy including factory, provided the value thereof is included in the acquisition cost of the vehicle. In many other carriers does not occur.
There are even special insurance policies offered to drivers with cars "tuned".Something very positive is that in cases where the extras are covered after a disaster, companies will not devalue the price of a penny accessories for antiquity, contrary to what happens with the whole vehicle.
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