A good insurance policy will be broad enough to cover most of your standard factory accessories. For every car however, there are always occasions where you may choose to add a few personal Non Standard accessories which offer its owner a benefit which is considered “in addition” to the standard factory accessories. Such accessories may include Tow Bars, Bull Bars, Sun Roof, Paint Protection, Seat Warmers, Metallic Paint, just to name a few.
By definition, Non Standard Accessories are things that generally enhance the functionality, look and comfort of the vehicle and don’t normally come in a base model.
At Insurance4Earth, Metallic Paint is not an additional accessory that requires notation under your policy. It is automatically covered.
It is important to ensure Accessories are noted under your policy where you would like them to be covered should a relevant loss occur.
The same applies to a Modification applied to your vehicle. By definition Modifications are enhancements that improve the performance of the car. Examples include modifications to the Engine, Suspension, Exhaust, etc. These are rare additions to a car policy but are required to be disclosed as the normal performance of the vehicle is changed.
At Insurance4Earth, not all Accessories nor Modifications need to be disclosed. We guide you through the process – Cover that’s Right. Peace of Mind. Have the right Conversation.
