Does FWD provide insurance for cars that have been modified to Compressed Natural Gas (CNG) or for the physically disabled? Faith, your friendly assistant September 26, 2021 14:55 Updated Yes, as long as the modifications were done by a certified technician. Related articles Does FWD have any exclusions related to modifications? Do I qualify for FWD car insurance as a GrabHitch driver? Why can’t I find my car model on FWD’s online list? Do you give discounts for drivers without any demerit points and where can I check my demerit points? How does FWD define “modification”?