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I have to pay another £25 a year, for modification insurance which covers everything. As well as my premium being slightly higher. The problem with not declaring them is, if you were to crash and take out a £30k car and it was your fault. And your insurance was then void, well.....

Research shows that people who modify their cars are more likely to make a claim, so when declaring mods you pay a higher premium. Doesn't matter what the mod is, even changing the interior in your car can be a reason to void insurance. As stupid as it is....

Number 3 is an estimate, not an accurate figure. As for not declaring modifications, your insurance is void if you have an accident. So that's just very very stupid....