When taking out a Car Insurance Singapore deal, it is often necessary to update your provider on any changes to your vehicle. These modifications can be related to improved performance, to repair, or to adjust to changes in road worthiness. Insurers will typically need to be informed immediately about changes that may invalidate an existing policy. This will particularly be the case if a car is upgraded to a faster engine, which may push a vehicle into a sports vehicle category. Higher premiums are usually required for this type of vehicle.

An insurer may also wish to cancel a policy if they feel that the modifications have significantly invalidated the original policy. It is important to check these terms and conditions, even if you are making routine changes to a car, which might involve replacing broken parts. One consequence might be that you have to pay a higher excess on a vehicle on top of the original policy. You may also no longer be able to claim for specific parts of a policy, and will need to renegotiate a deal with your insurance company.

Moreover, you may need to arrange beforehand with an insurer if you are using a spcific workshop. Many insurance companies will not accept a workshop or garage that does not fall within their approved conditions. An insurer might also choose to select the best possible workshop on your behalf in order to get the lowest quote.

Always make sure that these procedures are compliant with the General Insurance Code of Practice for Singapore, and be prepared to contact bodies like the Financial Industry Disputes Resolution Centre if you wish to pursue a claim. As with any form of insurance, it is advisable that you consult with a number of insurance providers before taking out a claim, and that you are prepared to seek external advice if necessary.