Insurance - a heartfelt warning!

[Dancake]

When asked if my car has any modifications, I always reply 'not that I know of'. Most people haven't got a clue about cars. They get in and drive them. Are buyers of second hand cars now going to be expected to acquire every little detail about the car before they buy and insure it? If I rang Vauxhall/Volvo/Ford etc tomorrow asking for a printout of the factory specs of my vehicle, they might want proof of ownership. Then if they are happy they MAY decide to furnish me with this information. Now what happens when these companies start getting 300 queries like this a day? They won't want to be paying admin fees for services like this. If you have anything modified declare it, if you aren't sure make sure you tell them you don't know. Certain modifications can affect vehicle safety, but a stereo? Never heard the likes of it. Wheels keep you on the road, so its understandable that insurance companies are a bit sharp when it comes to them. I do believe however that insurance companies use these supposed modifications as excuses not to pay out.