Maybe I don't. But you will tell me. Again, why are my opinions so terrifying for people?
They don't terrify anyone, they just find it rather odd/strange, that anyone could misunderstand, misrepresent 'modification' so drastically.
So, we have another one with lots of non-OE parts on his car. My suggestion is don't worry about. Getting hit by invalidation is not guaranteed.
They class a 'modification', as something which makes the car go faster, reduces the safety, makes it easier to steal, sub-standard parts, which puts you more at risk, on the road, increases their risk of a claim.
My car has three items which affect the risk...
1. I have a none OEM back box. No OEM items were available, so I had it replaced with one which is not noisier, and fits. Change in risk - zero.
2. I fitted an OEM tow bar, and OEM fancy electrics, change in risk zero. This I used in preference to a basic system, because it constantly monitors my trailer lighting, and flags up any failure instantly.
3. I had the ECU remapped, to better improve the performance and safety in pulling out. Change in risk, effectively slightly reducing the risk. I felt at risk, pulling out into traffic, the way the OEM ECU was mapped.
I have always declared 2, and 3. Neither of which affects my annual premium. I have not bothered to advise them of 1, because it is absolutely pointless, it doesn't in any way, affect their risk.
Would I tell them I fitted a none-OEM cam cover, or none-OEM light bulb, or bought a none-OEM fuel filler funnel - are you totally bats? Maybe for the amusement of your entire insurance companies office, try ringing them, and letting them know about your none-OEM parts.
