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Pleading ignorance won't let you off, if anyone has un-declared mods & they crash, it is likely that the assessor will clock the mods, and the person is unlikely to be paid out.
As for you giving out insurance info, don't make me laugh.
They didn't do it for me, it went the other way. When I was on the contract I managed to get £15 off a month, after the year was up it went up again & they wouldn't do anything for me.
I'm now on sim only as my contract deal was rubbish. I've been with them for ages - imo they have started to...