Having absorbed DP7657's post on the Admiral thread I think we need to think about the fact that there's nowhere in the small print of policies that says wear and tear items MUST be replaced with OEM parts - therefore aftermarket parts for such items - i.e. rotors, pads, exhaust, ARBs etc- should not need to be declared - only those that are not declared and that will increase power or purely cosmetic mods should invalidate insurance.