Hi Guys Just getting my insurance sorted for my S3 coming 1st March. My insurance company are telling me that the DVD Sat Nav and CD changes are classed as modifications and the underwriter are wanting me to pay extra??!! Does anyone else have these extras and been told by their insurer they are a mod? I am having several internal optional extras all factory fitted so I was under the impression that yes you have to tell the insurance co in case gets nicked, or someone just wants to break in and smash it but if the optional extras were internal and all factory fitted they were not classed as mods??!! Any opinions greatly appreciated!