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Vehicle insurance and declaring "modifications"

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I send a 2 page pdf of anything different than it left the factory with, just to cover myself, and its accepted by Flux - they seem to be quite accomodating. These are mostly "seats fitted from later model Defender" and such like, rather than performance enhancements.

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I'm with NFU - on a multi car policy. The Disco is the only modified vehicle out of the three on the policy. It has Cat 3 business use, As does the Mighty Modus.  I offer up a list of mods, signed off by a chartered mechanical engineer...

They aren't the cheapest, but I like NFU. Nice folk to talk to. Got free RAC recovery this time round - which was very good, when I needed it

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