[yorkie_chris]

When you get quotes get them with modifications declared. If you shop around you can find them.

I didn't bother with most stuff, just the serious stuff, suspension, brakes, engine tuning. All rest is cosmetic bumf that you can argue about.

I try to be slightly vague with descriptions and get them to send me a letter confirming they know about these things. That way ball is in their court to ask for more detail or an engineers report and I've got proof I've gone out of my way to give them the facts.


YMMV. I make no claim to knowing anything about insurance companies or how to deal with them.