If I’ve got After Market Accessories on my Car are they covered on my Insurance?

Hand with money and toy car

For many people their car is their or pride and joy and it’s very tempting to add a lot of customized accessories after purchase. If this applies to you, you should be a little wary when it comes to your car insurance.

A regular car or auto insurance policy covers items that are attached to the car; items that are an integral part of the vehicle when it is purchased. If you have a factory fitted stereo in the car it should be covered if it gets stolen form the vehicle. If you have a nonstandard stereo fitted this is a different matter, keep reading at hbf.com.au.

What happens if I have nonstandard items in my car?

It may be tempting to get a great stereo system that gives you a better listening experience when you’re driving. It may also be tempting to invest in customized wheels so that your car looks amazing. Its fine if you want to make this investment but you shouldn’t take a chance on a basic insurance policy if you do. If you stick with a standard policy for your customized car you could be in for a nasty surprise if you have to make a claim.

The vast majority of basic car insurance policies do not cover non-standard parts, such as a high end stereo. If you make a claim you will more than likely be refused. Once you know you have these items fitted in your car you should approach your insurer to get a rider added to your policy. You will have to pay increased premiums but the extra cost could be worth it in the long run if you ever need to make a claim.

What about items that are not fitted in the car?

If you’re out and about in your car, especially if you’re going on a long trip, you may take some valuable items with you; possibly jewelry to wear on a night out, or a laptop to work on. You should always be very careful and remember to take the items with you when you leave the car. Never be tempted to leave them in the car even for a short period of time, especially if they are on view. Place them in the trunk of the car if necessary.

Items that are not an integral part of the car are not covered on your insurance so you will not be able to make a claim on your car insurance if they are stolen. If you are unlucky enough to have items like this stolen from your car then it is possible you may be covered by your home insurance; you will need to check your policy to find out of this is the case.

What else do you need to be aware of with car insurance?

So you know that additions to your car, and items left in your car, may not be covered by a general policy. You should also be aware that if your car is highly customized, or regarded as a rare car, you will probably need to invest in a specific policy that is aimed at protecting that type of car. A normal car insurancepolicy will not offer the protection that you need.