The short version
- Standard policies often cover original equipment, not every add-on.
- Some insurers offer extra coverage for custom parts as an endorsement.
- Tell your insurer before a big change, and keep receipts.
01Original and aftermarket
Original equipment is what the car left the factory with. Aftermarket means anything added later. Some policies limit what they pay for add-ons unless they are listed.
02What to keep
- Receipts and photos of parts, before and after installation.
- The installer’s details.
- Any warranty paperwork.
03Ask about custom equipment coverage
Some insurers sell an endorsement that raises the amount paid for custom parts and equipment. Ask what it includes and what the limit is.
04Performance changes
Changes to the engine, exhaust or suspension can affect how an insurer sees the car. Ask first, and read what your state requires for road use.
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