As I'm sure you're aware, you're better off declaring these things. I used to work for a loss adjusters and insurers will do anything to make sure they can get out of not paying you. There argument is that they accept you on a certain risk level and if you don't disclose then you have broken the terms.
I am with Adrian Flux, My premium went up about £100 after getting my Cupra R remapped with a load of other mods declared, they are very competitive and dont seem to mind whatever mods I do to my car, whenever I get a new mod I just call them and tell them. They never seem to want any more money for newer mods
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