Modified Vehicles — NZ Motor Insurer Rules
How NZ insurers handle modifications — declaration rules, exclusions for undeclared modifications, value caps on modifications.
Last refreshed 2026-05-20
What this topic covers
Non-factory modifications must be declared at application time. Undeclared modifications can void cover for related claims. Some insurers exclude performance modifications entirely; specialist insurers (Initio, Star Insure) write modified-vehicle cover.
How each NZ motor insurer handles modified vehicles
Cells marked "Not on file" mean the verbatim policy-wording fact hasn't been extracted yet — we're currently ingesting NZ motor wordings (Phase B-full). Once landed, each cell will cite the source PDF clause directly. View provider profiles →
| Provider | Modifications must be declared | Modification value cap (NZD) | Cover voided for undeclared mods | Performance mods excluded |
|---|---|---|---|---|
 AA Insurance | Not on file | Not on file | Not on file | Not on file |
 AMI Insurance | Not on file | Not on file | Not on file | Not on file |
 Cove Insurance | Not on file | Not on file | Not on file | Not on file |
 FMG | Not on file | Not on file | Not on file | Not on file |
 Initio | Not on file | Not on file | Not on file | Not on file |
 NZI | Not on file | Not on file | Not on file | Not on file |
 Protecta Insurance | Not on file | Not on file | Not on file | Not on file |
 Star Insure | Not on file | Not on file | Not on file | Not on file |
 State Insurance | Not on file | Not on file | Not on file | Not on file |
 Tower Insurance | Not on file | Not on file | Not on file | Not on file |
 Trade Me Insurance | Not on file | Not on file | Not on file | Not on file |
 Vero Insurance | Not on file | Not on file | Not on file | Not on file |
"Not on file" = the policy-wording PDF for that insurer hasn't been ingested yet, OR the specific fact wasn't extracted from the wording. Authoritative answer is always the source PDF (linked from each provider profile).
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