Modifications?

if you can unbolt stuff in the time it takes for an insurance asser to rock up it shouldnt be too much of a prob.But this is highly suspect and if you get caught they will drop you like a stone.if you tell em then everythings kushty

anything thats different from when it came out the factory should be considered a mod. I don't mean putting Britpart filters in but pretty much anything else that's different. the point is, its for the IC to decide whats relevant. tell them everything, if it doesn't make a difference the cost shouldnt change, if it is relevant it might but at least you know your insured.
the only word of caution is that some of the insurance schemes are offered by Brokets who agree a set price with the insurer then add a large fee. they could use the mods as an excuse to increase the cost. just tell them everything then say you've got a better price. chances are they will drop the price. whatever though, TELL THEM ALL THE MODS.

A bar dont sound bad, until you hit a pedestrian and the ins co say tough titty to you.
If they see the induction kit then you could be screwed.
Black wheels could be seen as more desireable, ie you have made the car a higher theft risk
A lot will depoend on the type of accident, ie fender bender no one really cares, but get into serious car write off or casualties and then its quesiton time.

Of course if you dont have anyhting it might not matter, but as you age and gain assetts then you have to be more careful.

My series and 90 are both pretty much std, but both have winches which are declared, no difference to the premium, but they did ask were they to be used commerically!

I just love the way a 12-year old thread is suddenly resurrected as if it was posted only yesterday!

That said, nothing changes and not stating ALL modifications / accessories etc when taking out insurance is a very stupid thing to do.
99% Of these things make no difference to the premium or excess when insuring through a specialist insurer but they have to be listed so when the day comes that your vehicle is inspected by an assessor (whether it be your fault or not) they have no excuse for invalidating your cover.
Worthless cover is no cover.

Litch said:

I just love the way a 12-year old thread is suddenly resurrected as if it was posted only yesterday!

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My fault, was just browsing and came across it - I've been in Insurance for over 35 years and take a professional interest in this stuff. I know more about insurance than fixing up land rovers but love both so thought I'd try and give a bit of guidance in something I know because as I'll be asking for help on stuff I don't.