do biturbo steering wheels affect insurance

[Jj0063]

I wont declare a thing unless it sticks out like a sore thumb.

Why?

You do realise that with a specialist you more often than not will get a better price on a modified policy?

You are also throwing money down the drain if you don't declare your modifications. Do you think you'll get away with it if you have an accident? 

I genuinely cannot understand people who don't declare modifications, just why wouldn't you declare them? I have had this conversation more times than I can remember and the only reason people seem to come up with is that they don't want to pay the additional premium for declaring the modifications.

When it comes to claim time and their insurance refuse to pay out for their car and void the insurance people get angry as they have no car and have to declare forever that they have had a policy void which means virtually no-one will insure you again.

If you call your insurers and declare literally everything from air filters to vinyl wrapping to parts retro fitted to even things like door pins then you have covered your back, they may not even need to note them but you've done your bit and of course specialists will cover modifications like for like if you claim.

All I can say is that you have your pride and joy, you spend money modifying it so surely if the worst happens you would want to be able to use your insurance and have the car repaired to the same state it was in before the crash - or wouldn't you?