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Insurance and rear tinted windows

josephsoap

I’m just enquiring, If one gets the back three windows of their car (rear back window and back seat passenger windows) tinted - should this be declared to your insurance company?

a lot of cars come with this as standard from the factory now - so just wondering would be there an increase in premium paid for modifying the car ?

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chicorytip

I think modifications to the bodywork can impact negatively on the cost of your premium but these would be things like lowering the suspension or fitting new parts like spoilers. Having your rear windows tinted would not come into that category at all even if the tint is the darkest available which is 20% , I think. Backward visibility is not reduced to the point where it becomes hazardous to drive. It's not necessary to inform your insurer.

It's not an NCT issue either.

colm_mcm

The only angle they’d have is that it’s a modification. I wouldn’t worry too much about it though.

Esel

There is a legal percentage of light that must pass through the tinted windows afaik. Be careful you don't go below that.

Del2005

https://www.boards.ie/discussion/comment/121380685#Comment_121380685

Only for the front passenger windows and the windscreen. You can paint everything behind the front doors black and it will be legal, plenty of vans have no rear windows.

I checked with my insurance company recently about wrapping my car. They aren't worried about cosmetic modifications, once you start cutting or bolting they care.

zg3409

It's safest to notify insurer to be sure. Most ask has car been modified from factory specification and that includes aftermarket radios, tinting etc.

Part of the reason is that maybe the car radio is more likely to be robbed but mostly as you are more likely to be a boy racer/ car enthusiast. This is a way of separating them from ordinary drivers and also a way of denying claims when it comes to a claim.

Del2005

https://www.boards.ie/discussion/comment/121424596#Comment_121424596

I tried to but they didn't care that I'd wrapped my car. As I said they are only worried about performance or physical modifications, of which a radio is but wraps and rear tints aren't