The thing is though the garages don't have to say about the bits on the car but some bits are hard to hide in photos and if the insurance see bits in photos that are not on the policy its up to them what they pay out for,the garages don't know what is and what isn't on the policy so just take photos of damage,that's why some people only list parts on the policy that can be seen like shocks and exhausts and filters but cams and engine work will never be noticed so people don't bother declaring them