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      10-16-2019, 05:26 AM   #7
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Quote:
Originally Posted by teaston View Post
I really wouldn't bother declaring it, how would they ever detect it in the event of you making a claim?! Even if by some miracle they could, they'd have to prove it contributed towards the event you're claiming for.
I imagine that in a large majority of claims they wouldn't detect it, or even try to, and that probably fits with most people's experience where the claim is for a few thousand or less.

The larger the claim though, the greater their incentive to find a way to reduce or remove their responsibility. If someone is injured in an accident, the costs could be orders of magnitude higher - potentially 6 or 7 figures. Faced with a potential bill like that, I imagine that they'll go over the car with a fine-toothed comb. So personally, I will always declare mods.