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Aye, that too. Mate, were not trying to have a go, if something does happen ( I had 3 non fault bumps in a year ) last thing I want to hear anyway is how someones insurance company didnt pay up because mods werent declared.
If you dont declare your mods, I have no sympathy for you if something does happen and your claim goes tits up.
In my view, dont bother modding it if you dont want an (possible?) increase in your premium, or mod it and declare the mods, simple.
In my case, I fitted lowering springs, cat back...