What "mods" do you declare to your insurers?

[green van man]

Short answer is everything that is not absolutely standard.

Volvo that's polestar, 10% loading

LandRover,
Bigger tyres but an alternate landrover size, no loading.
Heavy duty springs with gave a 20 mm lift, no loading as the lift was incidental, lifted springs and no insurance.
Spotlights, no loading.
Use off road, no loading with NFU, some quotes from other companies loaded or will not insure.

Both cars have manufacturers towbar and it was noted on both policies that I tow with the vehicles. This has bearing as a caravan while attached to the car is part of the vehicle. Both caravans are insured in their own right but as far as the car insurers are concerned they may be liable for damage to or caused by the caravan while being towed as it is part of the vehicle. Costs reflect that, as does the LandRovers 7 seats, more people to claim so higher cost.

Every dealing with insurance company's I have ever had indicate they will only pay the minimum thay have to and will always try to avoid payment, even if the accident is not your fault, I do not give them the excuse to void my insurance.

Paul.