do biturbo steering wheels affect insurance

[tucpal]

i do declare all my performance mods tints etc by the way
but what i am trying to say is what is a must declare modification and what is not
and what is the insurer's definition of a modification
i mean by say changing the brake pads to none factory ones technically that is a modification from factory standard.
i know things like stickers and even a roof rack, towbar, bike rack, plug in bluetooth, sat nav, front camera all have to be declared
and i would think 10s of thousands don't even know that so i am sure nearly everyone out there has a modification they have not declared