The declaration if the vehicle is modified or not is made by the person requesting an insurance quote and the liability for any inaccuracies stops with them. A modification is any change outside the normal "as supplied" specification of the vehicle. This could be a tow bar, stereo change, fancy wheels etc, the list is endless. The reality is that any modification will only become an issue if it can be linked to the cause of a potential accident or claim.
So changing your stereo is unlikely to be implicated in a rta, but if your stereo is stolen and you then ask them to cover a £1000 posh stero rather than the naff standard stereo, your claim is likely to be declined.
So you don't have to declare the 4 inch lift, rear disc brakes, oversized tyres or lockers, but you can't claim you had no idea if the changes can be implicated in an RTA or resulting theft.
Not defending the insurance industry, its just how it is.
My pet hate being offered the option to pay for protected NCB which is nullified by the question "have you been involved in any accident or claim in the last 5 years".
Yokohama Geolanders, Sony head unit, NAUTILUS Air Horn, DRL conversion, Rear cargo space, Elvis Bobblehead, transfer Guard, Indian hanging Elephant, Koni Heavy track dampers, Custom SS exhaust, Voodoo Doll, Adventure Rack with LED ight bar, vintage ERIBA caravan usually attached (yes it's slow)
