A friend of mine had owned his Fiesta for 18 months and upgraded his bumpers & wheels to the ST spec! when he had a fault accident in the snow and the assessor came to inspect the damage, he was asked to pay an extra premium for the undeclared upgrades! thinking he was being smart, he told them they were already on the car when he bought it 18 month before, after which he was charged the higher rate backdated for the previous year's insurance with the same company because he hadn't declared them then either.
The damage to his car was only £300, the insurer paid something like £400 to fix the 3rd party's car & the hit to him personally totalled £1500. Lesson learned & I believe he's now insured via Flux with all mods declared.
