I think I know the answer to this question, but do you all declare your car mods e.g. alloy wheels and exhausts? I was chatting to my mate at work about my insurance quote and he was saying I should not put my exhaust back box and alloys on the policy as it pushes up your quote. I said to him, that if you don't declare them and your insurance company finds out they won’t pay out a penny. However he reckoned that they would fix the car, but only put standard parts back on the car.
Do you get what I mean?
I think I am correct and he is just imagining things!