should you notify your insurance?

Tuning (or customization) is authorized and accepted within the legal framework of the Highway Code, which specifies that the removal of the muffler from the exhaust is prohibited, as well as the installation of too powerful tinted filters which could reduce the good driver visibility.

The modifications must not endanger the life of the driver and its occupants and any significant modification must have the approval of the Drire (Regional Directorate for Industry, Research and the Environment) or the Dreal ( Regional Directorate for the Environment, Planning and Housing), which must decide on the acceptance of the vehicle on an isolated basis.


Customization today goes a lot through the rims and the modification of the height of the body, with modified suspensions. Photo DR

What changes are targeted?

The so-called notable modifications concern: the engine, the steering, the brakes, the weight, the chassis, the wheelbase, the tracks, the number of doors, the rims and tyres, the headlights and lighting, or even the number of doors and the number of seats.

State services must check the vehicle before issuing a new gray card.

We remind you that without approval, you cannot drive on public roads.

Tuning also involves looking for performance: exhaust pipes, looking for power or more powerful braking.  Modifications that change the face price of the car;  the insurance must take these changes into account in order to be able to compensate at the right price in the event of a claim.  Photo ADP

Tuning also involves looking for performance: exhaust pipes, looking for power or more powerful braking. Modifications that change the face price of the car; the insurance must take these changes into account in order to be able to compensate at the right price in the event of a claim. Photo ADP

Your obligations towards the insurer

All motor vehicles, including those that have gone through the “tuning” box, must be insured.

The owner of a car that has undergone one or more modifications through the addition and change of spare parts must imperatively notify his insurance company. It is by knowing the details of the modifications made, both interior and exterior, that the insurer will be able to assess the financial risk of covering the modified car.

The insurance contract will be adapted according to the risks but also to the revalued value.

Your risks in the event of non-declaration

If you do not notify your company of the modifications made to your vehicle, your contract may be terminated for “intentional misrepresentation” and, in the event of an accident, the insurer may partially or totally refuse to compensate you.

Worse still, if the parts added are the cause of the loss, your responsibility is engaged. You will therefore have to face possible legal proceedings from the victims, but also from your insurer.

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