Like I've said, everyone to their own. Insurance companies are NOT stupid anymore and if they can get out of paying YOU vast quantities of insurance money they will (just like I would if I owned an insurance company). If they ask you if you're modifed and you say no and it's been remapped, and then they check post accident you will get ZERO payout. You lied, it's simple as that. They don't have to prove anything other than the car you said wasn't modified is and they are now in their right to not pay you a penny. I don't give a monkies about this conversation really. I'm covered lol and got guaranteed insurance values. if people want to lie, get on with it. A kit car is a kit car and you'd STILL have to tell whoever your insurance is what it is, engine, body blah blah and it'll be a specialist insurance company probably anyway.
The discussion isn't about putting aftermarket brake pads and different make to factory tyres, this is about going from original spec to a completely different spec... bigger wheels, uprated suspension, re-maps so lets so lets not be silly on what defines modified (WE ALL KNOW WHAT IS MODIFIED AND IF YOU DON@T GO AWAY), this is about remapping a car. Remapping makes a car faster, suspension will amend from factory settings, these are serious mods that they need to know about. They might not even be bothered and it makes ZERO difference... I've had my SRT8 remapped, uprated engine bay and CAI and they increased my insurance by £26 for the year... perfectly acceptible.
Everyone is always trying to get away with things nowadays, cutting corners, trying to lie and get ahead and advantage by being awkward and blantently lying and these people deserve everything they get, never telling the truth nowadays does my head in... all about me me me and how I can scam someone. Then those people will be the first people to whine and moan when they don't get a payout. Who cares if a 70 year old sold you a car with a remap, has nothing to do with what you're telling the insurance, your car, your responsbility. Know your car, and if you don't tough. Anyway, can't be bothered saying anything on this anymore as it's a mute point. Everyone can lie all they want and we can just wait for the threads "my insurance won't pay out because my cars remaped and I lied..."... it'll make a change of crappy threads like "if the car doesn't do 0-60 in 0.5s it's crap" rubbish lol
BTW, not having a go at you, just sick of liars everywhere trying to get something for free so all I'm saying is, if people don't tell the truth, just be ready to be raped by your insurance company, it's really simple. If some ***** hit me, and he was modified BUT ended up not being insured because he'd not declared his mods and i'm left out of pocket because of a liar, I'd take his head of lol. this is about EVERYONE not just the person who's on the con!