To be fair if you havn't declared your mods why would the insurance company pay out.

I'd be a proper cunt if i was an assessor. Anything not declared would be a void policy.
Obviously badges and "Racing" seat covers etc is stupidly pathetic.

I renewed th insurance on my Mk6 Escort RS2000 the other day, told them i had now fitted coilovers, grooved and drilled brakes and different wheels and it didnt go up by anything.
Also insured the Mk2 Escort and told them instead of a 1.6 crossflow, it now has a 2.0 pinto fitted and although the insurance went up a little, it was not worth worrying about.