It may also be of interest to know that by not declaring mods you may infact be breaking the law and are *possibly* at risk of being found guilty of
2 charges!
- Insurance fraud - Lying about facts or circumstances in order to reduce the rate of a premium
- Driving without valid insurance - If a company refuses to pay out it will VOID your policy, this means your car was NEVER insured since taking out or re-newing that particular policy!
Just worth considering, even though it is worse case scenario etc.