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	<title>All About Modification Car and The Accessories</title>
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	<link>http://www.artbrutbcn.org</link>
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	<lastBuildDate>Wed, 22 Feb 2012 03:24:32 +0000</lastBuildDate>
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		<title>Motorcycle Style Tips</title>
		<link>http://www.artbrutbcn.org/motorcycle-style-tips/</link>
		<comments>http://www.artbrutbcn.org/motorcycle-style-tips/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 03:24:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[general]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=379</guid>
		<description><![CDATA[There are two sides to motorcycle style: performance and look. On the one hand motorcycle leather jackets are built to bear the pressures of motorcycling, and are rugged, tough and help protect the wearer from injury. On the other hand, motorcycle clothes are stylish in their own right, and even away from the motorcycle they [...]]]></description>
			<content:encoded><![CDATA[<p>There are two sides to motorcycle style: performance and look. On the one hand <a href="http://www.demon-tweeks.co.uk/motorcycle/leather-jackets" target="_blank">motorcycle leather jackets</a> are built to bear the pressures of motorcycling, and are rugged, tough and help protect the wearer from injury. On the other hand, motorcycle clothes are stylish in their own right, and even away from the motorcycle they are fast becoming an important feature of anyone’s wardrobe.</p>
<p>&nbsp;</p>
<p>It was perhaps in the 80s where the <a href="http://www.demon-tweeks.co.uk/motorcycle/leather-jackets" target="_blank">motorbike leather jacket</a> became something of a fashion item. However, for decades pervious to that motorcycle clothes would be worn with a nod to style. for example, in movies like Easy Rider the clothes that the protagonists would wear would be a contributing part of the general coolness of the film itself.</p>
<p>&nbsp;</p>
<p>Motorcycle clothing has always been part of “alternative” fashion. The whole idea of riding a motorcycle has always been something of an antiestablishment activity, and only in more recent years has motorcycling been embraced by the mainstream, whether it’s on the catwalk on the roads.</p>
<p>&nbsp;</p>
<p>If you are a biker, then you should choose clothing that is high quality because it will protect you if you fall off your bike. Leather is tough, and so is reasonable protection against cuts and bruises, and will even give you a level of protection from more serious injury.</p>
<p>&nbsp;</p>
<p>In more stylistic terms, motorcycle jackets are now available in all sorts of different styles. They can be embellished with studs and rhinestones, which will really add to that uber-cool biker look.</p>
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		<title>The Right Kind of GMC Replacement Radio to Use</title>
		<link>http://www.artbrutbcn.org/the-right-kind-of-gmc-replacement-radio-to-use/</link>
		<comments>http://www.artbrutbcn.org/the-right-kind-of-gmc-replacement-radio-to-use/#comments</comments>
		<pubDate>Fri, 17 Feb 2012 04:48:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[general]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=377</guid>
		<description><![CDATA[Is there any kind of choice that you wanted for your radio right now?  Now that you have found this kind of GMC Replacement Radio to use then for sure you are so grateful about this kind of brand that you really wanted for you to have right now.  From the many different kinds of [...]]]></description>
			<content:encoded><![CDATA[<p>Is there any kind of choice that you wanted for your radio right now?  Now that you have found this kind of <a href="http://www.buyautoparts.com/autoparts/GMC/Radio_or_CD_Player.html">GMC Replacement Radio</a> to use then for sure you are so grateful about this kind of brand that you really wanted for you to have right now.  From the many different kinds of brand that you can use for your car, only this kind of GMC Replacement Radio is the perfect one that you think match to your needs and you can assure that it will give you only the best that you are looking for.</p>
<p>The <a href="http://www.buyautoparts.com/autoparts/GMC/Radio_or_CD_Player.html">GMC Replacement Radio</a> is the one that you think will satisfy your needs that is why you don’t want to ask for any kinds of brand instead you are only using this kind of brand to use in order to assure that you are getting the best that you deserve to have.  This is really the fact that you are looking for and you don’t want to suffer from anything else.  Now that you have finally found the best of this kind of brand then you know already that you are in good hands at all times.  With the use of this kind of GMC Replacement Radio you know that you have all the best that you are looking for.</p>
<p>The right kind of brand just like this kind of GMC Replacement Radio is what you really desire to have and nothing else and you know that this is the only perfect one for you that you should use.  With this you know that you will get only the best for your car.</p>
<p>&nbsp;</p>
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		<title>London Olympics 2012 Set To Impress</title>
		<link>http://www.artbrutbcn.org/london-olympics-2012-set-to-impress/</link>
		<comments>http://www.artbrutbcn.org/london-olympics-2012-set-to-impress/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 01:19:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[general]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=361</guid>
		<description><![CDATA[As the each day passes the excitement over the London Olympics 2012 continues to build. The setting, vast array of athletes, and amazing stories are just a few of the reasons that this years games are highly anticipated. The level of competition may be the best yet, with thousands of dedicated athletes from all over [...]]]></description>
			<content:encoded><![CDATA[<p>As the each day passes the excitement over the <a href="http://www.youtube.com/watch?v=1L-RzE3ymas">London Olympics 2012</a> continues to build. The setting, vast array of athletes, and amazing stories are just a few of the reasons that this years games are highly anticipated. The level of competition may be the best yet, with thousands of dedicated athletes from all over the world set to compete and show what makes them worthy of the Olympic setting.</p>
<p><iframe width="500" height="300" src="http://www.youtube.com/embed/1L-RzE3ymas?feature=player_embedded" frameborder="0" allowfullscreen></iframe></p>
<p>Almost as impressive is the lineup of sponsors and partners. Many new products and services are announced during the games, much to the delight of consumers everywhere. For example, BMW will be featuring its M5. A preview video is already available online for those who do not wish to miss seeing what this vehicle looks like and can do. This is one of the few advertisements that can be seen in advance of the actual games.</p>
<p>What the London Olympics 2012 offers is a total package that offers something for everyone. Regardless of what country you live in, you likely have athletes to support during the games. The Olympics provide a global stage that simply cannot be matched by sporting events that do not offer such a broad level of competition. Who have what it takes, and who will be the next Olympic mega star? This summer we will have these questions answered.</p>
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		<title>How to Choose the Best Company Van Insurance</title>
		<link>http://www.artbrutbcn.org/how-to-choose-the-best-company-van-insurance/</link>
		<comments>http://www.artbrutbcn.org/how-to-choose-the-best-company-van-insurance/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 15:31:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[general]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=355</guid>
		<description><![CDATA[If you are a businessman, you have to think of all the aspects of your business and see if they are the most suitable ones for your business needs. One of these aspects is your company van insurance. If your business makes use of a van for delivery and other purposes, you need to have [...]]]></description>
			<content:encoded><![CDATA[<p>If you are a businessman, you have to think of all the aspects of your business and see if they are the most suitable ones for your business needs. One of these aspects is your <a href="http://www.cheapovaninsurance.co.uk/business-van-insurance.html">company van insurance</a><strong>. </strong>If your business makes use of a van for delivery and other purposes, you need to have it insured so that the vehicle is protected against unexpected occurrences. There have been so many insurance companies that offer van insurance and each of them have their pros and cons. I myself know of these things, as I am one of the many who buy van insurance for my business vehicle. I have tried so many insurance companies and I must say that finally I have found the best. I found a <a href="http://www.cheapovaninsurance.co.uk/">cheap van insurance UK</a><strong> </strong>company that offers the most comprehensive coverage.</p>
<p>&nbsp;</p>
<p>There are several ways that you can get the best <strong>company van insurance </strong>online. First, van insurance sites offer insurance guides that you can consult to choose the most suitable insurance coverage for your van insurance needs. Second, you can ask for insurance quotes from different insurance companies without having any obligation whatsoever to purchase insurance. Third, most online insurance companies have their hotlines advertised on their sites should you have the need to ask questions personally to an insurance broker. And lastly, there are several types of van insurance that you can choose from that you will find best suitable for your needs.</p>
<p>&nbsp;</p>
<p>These are just some of the things that you can do for you to find the best <strong>company van insurance </strong>for your business vehicles. You can definitely get more perks and advantages when you visit several sites and compare what they have to offer their clients. All you need is patience and a little bit of your time for you to be able to find the best insurance for your van.  Do not be afraid to ask questions if you do not understand anything. It is the insurer’s right to be informed of everything there is to know about a particular type of insurance. You can also ask friends who have bought van insurance online and ask for their help in choosing the one for your needs.</p>
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		<title>A first Glimpse at the refinements to the new Vauxhall Astra</title>
		<link>http://www.artbrutbcn.org/a-first-glimpse-at-the-refinements-to-the-new-vauxhall-astra/</link>
		<comments>http://www.artbrutbcn.org/a-first-glimpse-at-the-refinements-to-the-new-vauxhall-astra/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 09:51:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[general]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=358</guid>
		<description><![CDATA[Review The two 1.4s, with either 86 or 99bhp, are a bit out of their depth, but the turbocharged version with 138bhp is punchy and refined. Below that sits a smooth-but-slow 113 bhp 1.6. The petrol range is topped by a very nippy 1.6 turbo with 178bhp. The diesel range includes two flexible 1.7-litre units [...]]]></description>
			<content:encoded><![CDATA[<h2>Review</h2>
<p>The two 1.4s, with either 86 or 99bhp, are a bit out of their depth, but the turbocharged version with 138bhp is punchy and refined. Below that sits a smooth-but-slow 113 bhp 1.6. The petrol range is topped by a very nippy 1.6 turbo with 178bhp. The diesel range includes two flexible 1.7-litre units with either 108bhp or 123bhp, a pace 158 bhp 2.0, and a 1.3 that we haven’t driven. All models can be bought using direct payments or <strong>van lease hire</strong>.</p>
<h2>Ride &amp; Handling</h2>
<p>The <a href="http://www.vanarama.co.uk/vauxhall-van-leasing/astravan.html">Astra&#8217;s</a> ride is super-smooth on standard suspension, but although there’s lots of grip in bends, it’s not as sharp to drive as the best cars in the class. There’s too much body roll and the steering feels lethargic. The sports suspension on SRi Models gives even better body control, but maintains a healthy measure of comfort. The optional Flex ride adaptive suspension feels appreciably different in its various modes, but it doesn&#8217;t make the Astra any better. Buy this car today using <strong>van leasing</strong>; you won’t be disappointed.</p>
<h2>Refinement</h2>
<p>You&#8217;ll barely hear a peep out of the <a href="http://www.vauxhall.co.uk/vehicles/vauxhall-range/vans/astravan/index.html">Astra&#8217;s</a> suspension over a bumpy road, and road noise is also extremely well suppressed. Wind noise can be an issue at high speed, though, and some of the engines, particularly the 1.7 diesel, can be a little boozy. You can occasionally feel vibrations through the pedals, too.The Astra, which can be bought from <strong>van leasing</strong> or <strong>van lease hire</strong>, is priced on a par with the Ford Focus, so it’s far from cheap. Big discounts are available, but these have to be weighed against the fact that the Astra won’t hold its value particularly well. The fuel economy, CO2 emissions and leasing rates don’t match the class leaders, either, but insurance costs should be comparatively low.</p>
<h2>Quality &amp; Reliability</h2>
<p>The Astra&#8217;s cabin has big wow-factor, but once you start poking at the plastics, you&#8217;ll realize that they aren&#8217;t quite as sumptuous as they first appear. It&#8217;s still very smart, though, and the slick switchgear helps the general feeling of high quality. Vauxhall&#8217;s reliability record is reasonable, too, so it should prove to be dependable.All models get stability control to help you avoid getting into a pickle, but in case you do, there&#8217;s also front, side and curtain airbags to help keep you safe from harm. Active head restraints should help minimize whiplash injuries in a rear-end shunt as well. All the security measures you&#8217;d expect are present and correct, too. We strongly suggest to buy this car using <strong>van lease hire</strong> or <a href="http://www.vanarama.co.uk/"><strong>van contract hire</strong></a>. This way you save some money, that you can properly spend on your business.</p>
<p>&nbsp;</p>
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		<title>AC Compressors</title>
		<link>http://www.artbrutbcn.org/ac-compressors/</link>
		<comments>http://www.artbrutbcn.org/ac-compressors/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 16:07:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[general]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=352</guid>
		<description><![CDATA[Rebuilding or replacing AC Compressors are really not easy tasks. One needs to have adequate knowledge to repair or replace the AC Compressors. To some extent it can be said that if you are not expert or licensed for handling Freon then you are simply breaking the law. If the ac compressor of your car [...]]]></description>
			<content:encoded><![CDATA[<p>Rebuilding or replacing <a href="http://www.discountacparts.com/">AC Compressors</a> are really not easy tasks. One needs to have adequate knowledge to repair or replace the <a href="http://www.discountacparts.com/">AC Compressors</a>. To some extent it can be said that if you are not expert or licensed for handling Freon then you are simply breaking the law. If the ac compressor of your car has a leakage then you need to move the Freon and it cannot let to be released in the atmosphere.<br />
You need to have proper tools which are specially designed to rebuild ac compressors and you also need to have good knowledge about how to repair the same. It can be said that with these things it is literally impossible to rebuild the ac compressor of your car. It will be equally problematic to you to replace the AC Compressor of your car if you are not much into this auto parts. The best part for you will be to use for professional help.<br />
However, if you are a DIY person and have interests to experience your skills of engineering then you can get those AC Compressors replacement kits or AC Compressors repairing kits. These kits are rather good options for a DIY replacement or repair of the AC Compressor of the car.<br />
Proper working condition of ac compressor depends on its maintenance. By some simple steps you can maintain the ac compressor of your car like you need to keep it running at regular basis. You should also be careful enough to check that the internal gasket of the compressor is in its good shape and even in the winters.</p>
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		<title>Insurance For Modified Cars &#8211; Reduce Your Premiums in 6 Steps</title>
		<link>http://www.artbrutbcn.org/insurance-for-modified-cars-reduce-your-premiums-in-6-steps/</link>
		<comments>http://www.artbrutbcn.org/insurance-for-modified-cars-reduce-your-premiums-in-6-steps/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 12:52:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Modification and accessories]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=343</guid>
		<description><![CDATA[Car insurers view modified cars as high risk and finding affordable insurance for modified cars might be a tougher prospect than insuring your normal standard car. Some modifications such as the addition of alloy wheels and a new performance exhaust system will increase the value of your car by only a small amount, but those [...]]]></description>
			<content:encoded><![CDATA[<p>Car insurers view modified cars as high risk and finding affordable insurance for modified cars might be a tougher prospect than insuring your normal standard car.</p>
<p>Some modifications such as the addition of alloy wheels and a new performance exhaust system will increase the value of your car by only a small amount, but those alterations will also attract the attention of car thieves. As a result your insurance premiums may rise by much more than you might expect.</p>
<p>Other changes such as upgrading to a bigger engine or fine tuning the suspension performance to improve handling may increase your insurance premium even further due to the possible risk that you will drive at greater speeds. Even though you can expect to pay more for your car insurance if your car has been modified, you can still keep your premiums to an affordable level by not over customizing and limiting the number of additional modifications that are made to your car.</p>
<p>When you&#8217;re shopping for quotes you will need to inform the insurers of all alterations made that increase the value of your &#8216;modded car&#8217; and in particular all modifications that are performance enhancing, otherwise you may risk invalidating your car insurance policy.</p>
<p>Off course it is also essential to shop around and get as many quotes as you can. Depending on the scale of modifications made some insurers may simply refuse to even give you a quote, especially the larger companies. You may have to look for a specialist insurer who specialize in high performance vehicles and modified cars, so be prepared to spend a few hours researching online. After all what&#8217;s 3 to 4 hours of your time when you can make savings running into several hundreds of pounds.</p>
<p>For vehicles that are more difficult to insure (especially those with increased performance) you could ask for advice from people who already drive modded cars. Custom car shows is one place to find a group of like minded people, you could even ask questions online at motoring forums. Its also a good idea to get several quotes beforehand, before you even begin making any modifications to your car. The last thing you want to avoid is any big surprise in the increased cost of your insurance policy</p>
<p>Here are six steps you can take to reduce your premiums. (1) Avoid any extreme modifications such as nitrous oxide systems, these kits are guaranteed to ramp up the cost of your car insurance premiums. (2) Park your car off road and preferably in a garage, &#8216;out of sight&#8217; is very much &#8216;out of mind&#8217; and lessens the risk of your car being stolen. (3) Fitting a car immobilizer system is another option which you should consider, this will prevent the engine from running (even if hot-wired) unless the correct key is used.</p>
<p>(4) Driving safely to avoid picking up points against your licence and build up your no-claims discount. (5) Taking an advanced driving course and raising your voluntary excess are other steps you can take and (6) Agree to a mileage limit &#8211; If you don&#8217;t drive your modified car too often you can reduce your premiums by agreeing to a mileage limit.</p>
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		<title>The Significance of Body Kits in Sprucing Up Your Vehicle</title>
		<link>http://www.artbrutbcn.org/the-significance-of-body-kits-in-sprucing-up-your-vehicle/</link>
		<comments>http://www.artbrutbcn.org/the-significance-of-body-kits-in-sprucing-up-your-vehicle/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 12:51:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Modification and accessories]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=338</guid>
		<description><![CDATA[As a car owner, you are evidently thinking of ways on how you can enhance the overall look of your car, and incorporate appealing effects that will make people fond of it. However, the problem is that car modification generally comes with an expensive price tag, which is why one might typically have second thoughts [...]]]></description>
			<content:encoded><![CDATA[<p>As a car owner, you are evidently thinking of ways on how you can enhance the overall look of your car, and incorporate appealing effects that will make people fond of it. However, the problem is that car modification generally comes with an expensive price tag, which is why one might typically have second thoughts about its practicality. Nevertheless, if you really want to spruce up your car, you may use body kits, which are accessories that can improve the appearance of your vehicle.</p>
<p>Although you have to go to car shops to install the parts properly, you may purchase body kits online, where you can find numerous great deals that are worth your time and resources. Unbeknownst to many, one can find LED lights, ground effects, spoilers, and wheels in body kits, which come in pre-assembled and pre-configured options. If you will thoroughly look for kits online, you may find certain websites that provide you the opportunity to customize your own set, and select specific parts and effects that you want to incorporate.</p>
<p>Once you have ascertained your car&#8217;s body kit, you can already order it and wait until the company ships it to your place. Generally, body kit providers organize their sets based on the type of a car, and they customize it to create and develop the parts and functions of a particular car model. For instance, many people want to purchase the stock model of luxury cars such as Acura, BMW, and Volkswagen.</p>
<p>As soon as one has procured a specific car model, he can just get a body car suitable for it, and start enhancing its features. This way, one will be able to spend less than paying for an enhanced model at a dealership. Furthermore, with body kits, one can choose the parts that he wants to modify, and model the vehicle based on his preferences.</p>
<p>What is interesting about body kits is that most of them are created in a way that one can easily assemble it himself. However, bear in mind that the process is difficult, and it is advisable that you look for a professional&#8217;s help in altering numerous parts of your car such as the bars and supports. Moreover, it is worth noting that a good number of car body kits come without any color, and this requires you to paint it and complement the paint color of your car.</p>
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		<title>Exceptional BMW Accessories</title>
		<link>http://www.artbrutbcn.org/exceptional-bmw-accessories-2/</link>
		<comments>http://www.artbrutbcn.org/exceptional-bmw-accessories-2/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 12:51:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Modification and accessories]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=331</guid>
		<description><![CDATA[oday, everybody desires to make his/her car attractive and unique from others. For this, many car owners modify their cars with high quality car accessories and parts. If you are looking for quality parts for your BMW that can enhance the overall looks of your car, then choose quality BMW accessories. BMW offers top quality [...]]]></description>
			<content:encoded><![CDATA[<p>oday, everybody desires to make his/her car attractive and unique from others. For this, many car owners modify their cars with high quality car accessories and parts. If you are looking for quality parts for your BMW that can enhance the overall looks of your car, then choose quality BMW accessories.</p>
<p>BMW offers top quality car parts manufactured with latest technology. BMW cars are well known for their attractive looks, style and luxurious riding experience that they provide. This company is on the top in the list of luxurious cars. If you have an old BMW vehicle and desire to modify it, then you can easily achieve this by installing modern BMW accessories such as taillights, headlights, body kits and wings.</p>
<p>These accessories can make your car look more elegant and sporty. However, safety is the main concern for every car owner. Thus, with the help of these accessories, you can maintain your car in a better way according to the safety measures. Different types of BMW accessories such as auto gears, car covers and wheels can play an important role in car modification and overall performance of your BMW.</p>
<p>In order to protect your car from scratches, you can apply car cover on your BMW. As this car needs special type of maintenance thus, with the help of this cover, you can easily maintain the beauty of your BMW. If you desire to purchase auto gears for your BMW, then you need the assistance of expert for fitting them.</p>
<p>Expert can easily install any BMW accessory in no time without harming your car. In addition, if you face difficulty in purchasing any particular accessory, then you can also take the help of experts. By this way, you can purchase the best accessories that suit your car. Make sure that you match the external color of your car with accessories, so that you can make look more stylish.</p>
<p>You can also fit spoilers for making your this look more sporty and attractive. The eyes or BMW Headlights are also important and thus, make sure that you choose quality headlights for your cars. Hence, with the help of these accessories, you can easily convert your old BMW to sports cars.</p>
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		<title>Ordinary Car Owners Pay Less for Insurance &#8211; No Accessories Equals Car Insurance Discounts</title>
		<link>http://www.artbrutbcn.org/ordinary-car-owners-pay-less-for-insurance-no-accessories-equals-car-insurance-discounts-2/</link>
		<comments>http://www.artbrutbcn.org/ordinary-car-owners-pay-less-for-insurance-no-accessories-equals-car-insurance-discounts-2/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 12:51:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Modification and accessories]]></category>

		<guid isPermaLink="false">http://www.artbrutbcn.org/?p=325</guid>
		<description><![CDATA[In the world of pistons, panels and petrol, modifications equal sex appeal. You don&#8217;t see music videos with beautiful women draped all over a stock-standard Holden Commodore that has just rolled off the factory floor. Unfortunately, though, the advertisers never indicate what it costs to insure those hotted-up rides. Probably because people nationwide would simply [...]]]></description>
			<content:encoded><![CDATA[<p>In the world of pistons, panels and petrol, modifications equal sex appeal. You don&#8217;t see music videos with beautiful women draped all over a stock-standard Holden Commodore that has just rolled off the factory floor. Unfortunately, though, the advertisers never indicate what it costs to insure those hotted-up rides. Probably because people nationwide would simply faint in front of their televisions! When it comes to modifications and car insurance, there are some insurers that will cut your premiums down if you haven&#8217;t made any modifications to your car. Bikini babes might not be running up to you at the traffic lights &#8211; but owners of ordinary cars pay less for car insurance. We look at why.</p>
<p>What is a modified car?</p>
<p>Most car insurers interpret the term &#8216;modification&#8217; in a fairly strict sense, to include any change to the car that leaves it in different condition than the factory specifications. So, modifications to your car that could affect your insurance premium may include:</p>
<p>Body modifications like spoilers, skirts or scoops<br />
Engine modifications to increase torque or horsepower<br />
Handling modifications like using stiffer than indicated springs, lowering the ride height, etc.<br />
Using an aftermarket part rather than a factory-specified part.</p>
<p>If you have a relatively new car, however, and take your car to a dealer-approved mechanic for servicing and repairs, you are unlikely to have any of these modifications on your car. But why does that reduce your insurance premium?</p>
<p>Car modifications and insurance premiums</p>
<p>When car modifications change the properties of mechanical components (for example, giving your car more power, changing the handling, etc), there usually has not been a safety evaluation done on the new setup. Insurers and other parties don&#8217;t have a reliable source of information about whether your car is more or less likely to be involved in a crash based on the modifications, and the only practical avenue is to assume that it is more likely to be involved in a crash. Of course, when you are more likely to be involved in a crash, your car insurance premiums go up to cover that risk.</p>
<p>The same is true of aftermarket parts or accessories &#8211; they may not be made by the original manufacturer and don&#8217;t have an associated safety assessment, so this may well increase your chance of being involved in a crash.</p>
<p>Did you know&#8230;</p>
<p>Not all car insurance companies actually ask you if your car is modified in any way. Some companies assume that most cars are modified (aftermarket parts are fairly common, after all), and put your premiums up to reflect that. When you come across a car insurance company that asks whether your car has been modified, you can be sure that if it hasn&#8217;t, you&#8217;ll be seeing lower premiums because of it.</p>
<p>If you have a new or unmodified car</p>
<p>There are quite a large number of drivers in Australia that have their cars serviced regularly and use factory-specified parts&#8230; and most of them are paying more than they need to for their car insurance premiums! Look for a car insurance company that asks questions, rather than making assumptions about the state of your car if you want to pay less for your premiums, and spend more on what makes you happy.</p>
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