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Insurance WTF??

You've modded the car from factory spec without telling the insurers, they can refuse to pay out if you have an accident and don't tell them, seems logical to me.
  Blown up 182 & Mondeo TDI
Insurance companies will do anything not to pay out. If you tell them about a mod like that chances are the premium will be the same but if you don't your giving them reason not to pay.