The in­sur­ance in­dus­try re­veals what it thinks of the mods you’ve made to your MX-5

From a few lit­tle tweaks to per­son­alise your MX-5, through to an ‘up­grade all ar­eas’ project, you re­ally should in­form your in­surer. Here’s a look at how dif­fer­ent mod­i­fi­ca­tions can af­fect your car in­sur­ance pre­mium

Total MX-5 - - CONTENTS -

Yes, there are plenty of purists out there who pre­fer their MX-5 to re­main ex­actly how it was when it first left the show­room, but to lots of oth­ers their car is a blank can­vas for ex­press­ing a lit­tle of their own per­son­al­ity. Some new al­loys here, a sports ex­haust there: it’s fun to dab­ble.

What­ever you do to your pride and joy, though, you ought to in­form your in­surer. Your mod­i­fi­ca­tions will af­fect your pre­mium, pre­dictably in an up­wards di­rec­tion. And dif­fer­ent mods will have a dif­fer­ent im­pact on the price you pay for your in­sur­ance.

To get a steer on how in­sur­ers view cer­tain mod­i­fi­ca­tions, we’ve spo­ken to Lan­caster In­sur­ance, for the past four years the of­fi­cial in­sur­ance part­ner to the MX-5 Own­ers Club, and a spe­cial­ist clas­sic car in­surer for more than 30 years.we’ve asked the team there to look at in­di­vid­ual mods and ex­plain why they have a bear­ing on what you pay.

Be­fore get­ting into the de­tails, though, the guys at Lan­caster have a few gen­eral ob­ser­va­tions about in­sur­ing your mod­i­fied Mazda. A spokesper­son for the spe­cial­ist clas­sic car in­sur­ance team says:‘we’d al­ways en­cour­age en­thu­si­asts to speak to us di­rectly, so we can as­sess the case on an in­di­vid­ual ba­sis.

‘We have a team of ex­pe­ri­enced in-house agents who can help ar­range the right policy for you, tak­ing your cir­cum­stances and your ve­hi­cle into con­sid­er­a­tion and as­sess­ing the risk.’

This per­son­al­i­sa­tion of the in­sur­ance policy means that Lan­caster is un­able to pro­vide us with ex­act fig­ures for pre­mi­ums or even per­cent­age in­creases in pre­mium for in­di­vid­ual mod­i­fi­ca­tions, but the com­pany’s an­swers should give you a steer as to what var­i­ous changes to the hard­ware and vi­su­als of your MX-5 might mean to your in­sur­ance cost.

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