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Straight answers about living with black box insurance
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Can You Have Black Box Insurance on a Modified Car?

Possibly, but modifications can change the price or make a car unacceptable to a particular telematics insurer.

HomeChanging the car
Answer: Possibly, but modifications can change the price or make a car unacceptable to a particular telematics insurer.

Ask before modifying, not afterwards

If you already have a telematics policy, check how the proposed change will be treated before paying for the work. A modification that seems cosmetic to the owner may still require disclosure or push the car outside that insurer’s acceptance rules.

Telematics does not make modifications irrelevant

A black box can describe how the car is driven, but the insurer still cares what car it is insuring. Engine tuning, suspension changes, non-standard wheels and body modifications can alter performance, repair cost or theft risk.

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