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As in the title, which insurance companies cover all visual modifications with no need to notify them or increase the premium? I remember bieng told on cliosport that their were a few... and that only performance mods had to be declared.
Adrian Flux, depending on who they insure you with.
I've had 206 GTi, twin exhaust, lowered, aftermarket alloys... and a Honda CRX, same as above (single exhaust though!) and also full bodykit and tinted windows. All mods on both cars insured completely for free, I even had to send in photos of the car so they knew what it looked like