It's all nonsense in my opinion. Unless you've done something drastic like fit a turbo, I wouldn't worry about it. Standard mods like adjustable levers, after market end-cans, huggers, shock upgrades, fork spring upgrades etc aren't going to make you a bigger risk and most insurance companies will either never know or don't care about these type of mods. Thing is, if the insurance company wants to get out of paying then they could probably get you on something if they really want to. A mate of mine has had two bikes recently which he found out had the wrong size tyres fitted. Strictly speaking that is also a modification, but one he knew nothing about until he had the tyres changed. I really wouldn't worry about it.... hopefully the chances of having to claim AND to fight the insurance company for a pay-out are low enough not to have to be too concerned. If it happens to me I'll cross that bridge when I come to it.
