Well, it's difficult to say, I made a claim in 1997 when my RS Turbo was stolen/Recovered and had been chipped to 195bhp (undeclared) without any problems. The problem comes with exactly what you declare, where exactly do you draw the line?..would fitting a SatNav need to be declared, or a pair of Nissan Spats or a Front Spoiler. Obviously it's essential that any performance enhancements must be declared but what if you buy a second hand Zed with say a Plenum spacer fitted and you had no idea that it was not a standard part on the car I certainly had never even heard of them before I joined this club
Pete