Modified cars more likely to crash

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Drivers who modify their cars can find themselves paying thousands of pounds extra in insurance premiums because insurers believe they are more likely to crash.

A simple spoiler can hike annual premiums by as much as A?700.

Flared wheel arches and wings add almost A?3,500 to premiums for a Ford Focus 1.6.

Tinted windows, side skirts, and exhaust system changes also push up premiums.

Even opting for the standard sportier version of a car adds an average of A?3,400 to insurance premiums.

Adding ‘GTI’ to a Peugeot 206, for example, can increase annual insurance premiums by nearly A?6,500.

uSwitch.com, who researched the insurance costs of adding modifications, said some insurers are charging 220% the total value of a car for annual premiums.

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