Chaps. Insurance renewal dropped through the post today and i guess its not bad but I'll websearch for cheaper later (£392 with £500 excess). Now its obviously different for us all with different risk factors but what i want to ask here is. 1. What risks do insurance companies really need to know over a stock car and what ones make no real difference. 2. How many of you out there are fully disclosing your bits and bobs. Thats you guys with the re-maps, coil overs,etc, obvious performance enhancements. You know the stuff insurance compaies gets antzzy about. Do you run the risk? If not disclosing where does your premium sit and if you did disclose where do you think your premium would be. p.s. I'm not with the insurance police. 3. Does insurance company really need to know about all the OEM optional extras on a stock car and does it make a difference to your policy. I'm thinking here in my case as stock S3 with MFFSW,GSM,CRUISE,I-POD. Do these things really need disclosure? Would they increase a premium? Wouldn't they be taking the p**s if they did charge for this stuff. So what are you guys experience of the stuff that does make a premium rise and the ones that dont. Jas.