XRdodgybird
as long as you get it in writing then you are covered

tabetha
i'm sure the underwriter knows what he's underwriting, but he's only one bloke who's talking from his point of view
i deal with stuff for the company and we have fairly strict guidelines we need to follow such as replacement tyres need to be reinforced and the lease company won't allow anything other than the makes it has stipulated to go on, and if they haven't got them they haven't got them and the motor goes off the road

you can argue the toss over loads of things but just because it makes sense to you or i doesn't mean it's not construed as a modification by the insurers

wear and tear items should be replaced with like for like but your engine rebuild using non ford parts is a simple "mod" because you can't use non standard parts to make a standard engine, and claiming that using different pistons because you've bored the engine out simply impliys that you have modified the engine from ford specs to the guy at the other end of the phone