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Originally Posted by MG ZS STE
Im with AXA and they have very clear guidelines on what is considered a declarable mod and what isn’t. Basically its anything that gives an increase in performance. Not sure how id get on though if I was to slam the car as that would make the car considerably unsafe IMO, especially wet driving. They wasn’t concerned by the exhaust or greens cotton air filter, an ITG however would have been a different story, as to I suspect manifolds. However, theres nothing stopping you from whipping off an air filter and reinstalling the OE panel filter box if needed. And how many insurance assessors would be cute enough to know it was an aftermarket manifold. Plus you could always use the old NLA so you had to source the next nearest equivalent.
Personally I think all this declaring mods is an excuse to bend the customer over. Its like declaring cams and remaps, how would they know?
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Never underestimate insurance assessors..........most have a motor trade background