My dad forgot to declare points on his licence and previous accidents. He was fully comp and was at fault No one came to check nothing on his car or insurance it just went to his mate's bodyshop and garage, repair was done, insurance sent bill, that was it. Unless they send an engineer round to view the damage and he reports on any mods, no one will say anything. My car is heavily modded and my insurers know all about my mods. There may have been one or two that slipped my mind but it has so many I doubt they would even bother to verify every single mod.