Jim, they DO record all phone conversations because I was in a similar situation with my S2 ZVH when I tried to get it insured with them.

Rang them up and listed all the modifications for which they gave me a price for. I then filled out the paperwork etc and sent in photos, one of which showed the cone filter but according to them, I hadnt stated that originally and they gave me 14 days to pay up almost £200 EXTRA otherwise they'd cancel my policy. I rung them up saying that I had stated the air filter originally and 2 days later (once the manager had listened to the phone conversations) they rang me back and apologised... well they said it was their mistake and that I wasnt obliged to pay it... cheeky cunts!

nothing but a bunch of amateurs, god forbid you ever had to claim through them