Admiral & co do, and they also charge you extra for the privilege of not having your mods covered like for like
I'm with the insurers on this one. More people who mod their cars crash them, so it's fair that premiums should be increased. Personally I'd like to see car insurance state-run and then not for profit, so premiums should be significantly lower. Of course, that would then mean we'd be dealing with civil servants instead of claims advisors and I'm not sure I'd wish that on anyone!
interesting yet i bet on a statistical bases more factory oem cars are involed in RTI than ones that have been modified as a total number so by that logic modified cars should have a lower premium i know there is no chance of that happening,
but like most things were do you stop if you had a brake fluid change with dot 5 and you only had dot 4 from factory that's a changed that increases brake efficiency and should be noted with the insurer same with a higher performance engine iol if by lowering friction give 1bhp its a power increase, because like most insurance company say it must be as it left the factory, well working with VW if a car had an issue and for arguments sake related to a aftermarket brake caliper vw would claim its not a OEM part available on the vw network so in the same light it would be classed as a modification for OEM standards and not warranty covered so even tho its not a BBK and does the same job technically its a modification