Which mods have you declaired.

[Arfa]

Yep tell them everything. Everything. They're right squirmy little rascals, if they can point at anything as a reason to not hand over some dough, they will. Be it cosmetic, performance enhancing, or just daft, let them know. Most mods won't affect the premium, generally performance mods will crank it up a bit.

However, many policies won't replace mods in the event of a claim. So, if you've got a super posh exhaust system, it'll get replaced with a stock one (or value of). You usually have to pay extra to get your mods replaced.