Hi Mike,
It was the mondeo not the V8 4i(which is insured as such), can't really miss that sound track!!
I'm willing to bet that by the time ANY car is 1 or 2 year old it cannot be standard, different wipers, tyres, pads.
In the case of the mondeo it was mine I purchased from a damaged repairable brand new engine built by me and gearbox(auto) by place in erith kent(who are incompetent), had two seized pistons I couldn't shift had to be pressed out, and no3 big end shells friction welded to the crank after running with zero oil and water until it stopped.
I insured this car with those wheels declared and the reason the "owner" who had defaulted on payment stole the wheels from the yard where it had come to rest(towed there from the A11) so was on 2 14" and two 15" steels that were lying around just to trailer it home.
I explained the new alloys were cheaper than the ford ones(I got the ford price and part number) and were locked on with 4 lock nuts each wheel as well as cat 1 fitted by me, still has original working ford alarm, had the usual hassle, then spoke to one of their underwriters a lady who was a petrol head!! and she said no problem duly noted and not loaded for, neither was the "modified" engine as was now 1st oversize as they wouldn't touch the modified engine to start with.
The whole point is where does it stop, they need to put out guidelines, a arse I know got paid out when his scoob was stolen and found burnt out after he left the keys in and engine running outside the newsagent he was in I think this is not taking reasonable care.
Should have known better being a cop(pcso) but he got paid out, rumour has it it may not have been casual theft as engine was knackered, but I don't know about that true or not.
tabetha