[Individualist]

In all this people have to remember that insurance companies have the right in their eyes not to pay out for mods., even if declared, if the policy is not a 'like for like' policy & 'like for like' policies are decidely more expensive than 'declared mods. fully comp. policies'. Therefore, unless the car is a write off & can be proven to be 'special' ie above Glass' guide, you're unlikely to get a decent figure from them. The moral of this story is insurance companies win all ends up.

If you have an accident & the car's a write off, your policy will become null & void if the accident inspector realises you have undeclared mods. If some mods. are destroyed & the car's not a write off, you're likely to get standard parts, though they can be just as expensive as the mods. as mentioned.

If you don't declare what can't be seen by inspection, you might as well pay for them yourself if they go pop. It's only when you have a write off that non-declaration becomes a dangerous game......perhaps there's a market for 'camo-mods' The best position, if you're able to live with yourself telling porkies, is declare sensible obvious mods. and leave the rest, as the're hardly likely to pay you for new internals & wouldn't know anyway....what accident inspector starts stripping down an engine....also, this has the knock on effect of not declaring outrageous power figures....what's the point??