Does painting your alloy wheels affect insurance? © Image by Pexels

Does painting your alloy wheels affect insurance?

Asked by: Eve Walter  |  Last update: February 11, 2022
Score: 4.5/5 (57 votes)

Standard alloy wheels won't impact insurance, but if you upgrade them or even paint them a different colour, your premiums could rise. This is because better alloys may increase the likelihood of your wheels being stolen, which is a common insurance claim.

Do you need to tell insurance about painting wheels?

Yes, they need declared. A decent insurer will just note the change with no charge.

Do you have to declare alloy wheels on insurance?

If your vehicle's alloy wheels were fitted by the manufacturer, they'll be covered and you don't need to tell us about them on your insurance policy. If the alloy wheels were not fitted by the manufacturer, but were fitted later, you must tell us about them on your insurance policy.

Does Respray affect insurance?

Yes, it can! The reason colour affects the cost of car insurance is some colours and paints, like metallic and pearl shades, can be costly for the insurer to replace or repair. They also cost more and affect the value of your vehicle.

Does changing car wheels affect insurance?

1. Is my modification legal? All modifications made to your car must be street-legal for you even to entertain the idea of insuring the car. If you modify your vehicle in a way that isn't legal, you'll likely not be able to get insurance to cover your car.


29 related questions found

Does painting calipers void insurance?

Painting calipers does not in any way affect anything which could cause an accident, increase or decrease the likely hood of fire or theft, or alter the cost of repairs to bring the car to a factory serviceable condition.

Do you have to declare stickers on your car?

At Direct Line, stickers on a vehicle would count as a cosmetic modification and be judged on “an individual basis”, whereas other insurers such as LV= say stickers don't count. Even the humble roof rack could incur the wrath of your insurer if you don't declare it.

What color cars make insurance higher?

You may have heard red cars are more expensive to insure. But, according to the Insurance Information Institute (III), the color of the car you drive does not affect the price of auto insurance.

What color car is cheapest insurance?

What Color Cars are Cheaper to Insure?
  • White: 29%
  • Black: 19%
  • Gray: 17%
  • Silver: 11%
  • Blue: 10%
  • Red: 9%
  • Brown/beige: 2%
  • Green: 1%

Do I need to tell my insurance if I change the colour of my car?

According to the BBC, grey is the most popular car colour followed by black and white. ... Online insurance broker says a new paint job is unlikely to affect the value or performance of your car so there is no need to inform your insurer if you change it.

How much do alloys affect insurance?

Standard alloy wheels won't impact insurance, but if you upgrade them or even paint them a different colour, your premiums could rise. This is because better alloys may increase the likelihood of your wheels being stolen, which is a common insurance claim.

What happens if you don't tell insurance about modifications?

What happens if you don't declare modifications to an insurance provider? Your insurance will be void if you don't declare the modifications to an existing plan. You will be committing fraud if it's not declared at the point of application as you have not provided accurate information deliberately.

Do stickers affect car insurance?

Stickers and Decals

Interestingly, some stickers are much more likely to void insurance than others. ... With that being said, you should always think twice before putting any sticker on your car as there is always a chance it could void your insurance, leaving you with no coverage in the event of an accident.

Can I change the colour of my alloy wheels?

The most popular colour changes for alloys are matte black, gloss black, or anthracite grey (a light, gun metal colour). ... All wheel colour changes can be done at a location of your choice, either at home or at work, with the full spraying and drying process taking between 2 and 4 hours.

Does having a subwoofer increase car insurance?

Will my new stereo and sound equipment invalidate my car insurance? Installing a new stereo and sound system alone won't invalidate your car insurance – but not telling your insurance provider about it could. The most sensible thing is to talk to your insurance provider before investing in an audio system.

Does a sunroof increase insurance?

Does a sunroof increase the cost of my insurance? ... Since sunroofs and moon roofs are made of glass, they're more prone to shatter or break in an accident and can be more expensive to insure.

What is the safest color for a vehicle?

We've referenced the safest color car on the road. That color is white. White cars are 12 percent less likely to be involved in an accident than black cars at any time of the day under any conditions. This is because there is often a lot of contrast between white cars and its surroundings.

Do black cars cost more to insure?

No, car color does not affect insurance rates. Whether your car is yellow, black, silver, or any other color, your car insurance will not be affected as car insurance companies don't even know the color of the car you're driving.

Is a 5 door car more expensive to insure?

As the other guy said it depends on a million factors, but in general a coupe is more expensive to insure than a 5 door as they are seen as more sporty. But each insurer has their own rules and their are weird cars that slip through the cracks and are oddly cheap to insure.

Does colour affect insurance?

The truth is it doesn't matter to an insurance company if your car is blue, red, green, silver, white or black. ... It's a car insurance myth that never goes away. While colour can be a powerful communication tool and it may even influence your mood, it will not influence your auto premium.

Does age of car affect insurance?

Once young drivers gain more experience and hit age 25, their car insurance costs drop about 30%. Costs continue to generally decline with each birthday. Once drivers reach age 50, they'll see their best rates. Around age 60, however, auto insurance costs begin to increase and compare to what drivers see in their 40s.

Are yellow cars cheaper insurance?

Yes and no. You'll often hear people say that certain car colours are more expensive to insure than others. Red and yellow cars, for instance, are often labelled as "risky" and therefore attract a higher premium. ... The colour of the car you buy from a dealer isn't factored into the price you pay for insurance.

Does tinting car windows affect insurance?

Generally, tinted windows do not cause higher insurance premiums. However, different companies can have different rules, so it is important to check with your insurance provider to see whether tinted windows require a change in your policy.

Do bucket seats affect insurance?

Car Interior

While some motorists may favour racing style interiors such as smaller steering wheels and bucket seats, these modifications can result in higher premiums.

Is paint protection a modification?

While paint protection may not seem to pose any additional risk to the insured vehicle, it may count as a 'modification' by some insurers.. This means not declaring it is a breach of some policies, with some insurers demanding to know absolutely any deviation from a car's standard specification.