Bit of a revival, but just to clear things up, no where in writing on your documents does it say 5 mods but I was given a letter stating that they only insure up to 5 mods. I had 3 foreign call centre staff frig my policy supposedly, most staff are not trained correctly, something I was also told would be done to the staff that I had dealings with. If the mod does not show up in writing on your documents you can forget it!