end of the day if it's not on the policy any insurer will wriggle out, if you also lie/fail to mention stuff that will be covered in the PDS.
LOL, speaking as a Justcar policy holder that's why you tick the box that says Turbo or charger and/or modified transmission, etc.... which also ends up on your policy statement, have you actually had a claim denied or are you just making stuff up as you go?
the people who get denied are the ones who lie or fail to mention things (or smash the car drunk, lol).
Everything was ticked. Wasn't drunk. Not going into further details about it sorry.
I'm Just saying that just because they may accept an engineered modification, read the PDS and associated fine print, because they CAN and WILL wiggle their way out of anything, and even go to the extent of phone calls trying to imply that you are trying to be dodgy etc etc.
Insurance companies exist to make profit pure and simple, they dont want to pay out on claims and employ a lot of legal professionals and investigators to try not to pay. Just ask any decent solicitor that sues them.
I do like how you guys appeared to assume that i lied or did not disclose modifications to them. That is not the case...
My policies with shannons cover right down to fine details like interior trims, aftermarket gauges everything you could think of, even the aftermarket billet bonnet and boot hinges for christ sake, and ALL engine modifications, from headers to carb to sump, and my dealings with them so far have been very good, and for relatively expensive vehicles with lots of aftermarket modifications, their premiums are quite low.
Just my two bob.