modifications and insurance


right - my insurer is getting really picky about mods to vehicles and is asking if ive modified my 4trak - i havnt said anything but ive got a powerflow exhaust, k&n filter, bullbar, spotlights and siderunners plus slightly oversize tyres.

will i get crucified if theres an accident and if so which of these non-standard items constitutes a modification?

any thoughts would be welcome.....

You'll get crucified !

Imagine you knock someone over and put them in a wheelchair for life.

Your insurance company actually doesn't give a damn about you and is more interested in lots of profit.

If it can find a way to weasel out of paying out £2m, guess how many excuses it can find with all your undeclared mods !