Can I Put an Engine Swap on Car Insurance?
An engine swap is a major modification to your car, and it’s important to let your insurance company know about it. In most cases, you’ll need to add a rider to your policy to cover the new engine. The cost of the rider will vary depending on the value of the new engine and the type of car you have. Engine swaps can be expensive between $6000 and $10,000, so it’s definitely beneficial to insure the modification.
Will My Insurance Rates Increase?
In most cases, your insurance rates will increase after an engine swap. This is because the new engine is likely to be more powerful and valuable than the old one, which increases the risk to the insurance company. The amount that your rates increase will depend on a number of factors, including the value of the new engine, the type of car you have, and your driving history.
Before you get an engine swap, it’s important to talk to your insurance company about the potential impact on your rates. This will help you make an informed decision about whether or not to proceed with the modification.
What If I Don’t Tell My Insurance Company About My Engine Swap?
If you don’t tell your insurance company about your engine swap, you could be putting your coverage at risk. In the event of an accident, your insurance company could deny your claim if they find out that you didn’t disclose the modification. This could leave you financially responsible for the damages.
It’s always best to be honest with your insurance company about any modifications you make to your car. This will help ensure that you have the coverage you need in the event of an accident.
How to Add an Engine Swap to Your Car Insurance
To add an engine swap to your car insurance, you’ll need to contact your insurance company and provide them with the following information:
- The year, make, and model of your car
- The VIN number of your car
- The year, make, and model of the new engine
- The VIN number of the new engine
Your insurance company will then review the information and provide you with a quote for the rider. Once you’ve paid for the rider, your engine swap will be covered by your insurance policy.
Conclusion
Engine swaps can be a great way to improve the performance of your car. However, it’s important to remember that you’ll need to add a rider to your car insurance policy to cover the new engine. Failure to do so could put your coverage at risk.
If you’re considering an engine swap, be sure to talk to your insurance company first. They can help you determine the impact the modification will have on your rates and ensure that you have the coverage you need.
