[rjwhittington]

The trend in the UK is now for 18-25 year old to customize small cars. e.g. Big exhaust, Alloy wheels, Spoilers, Engine Mods and Body Kits, Stereos. But I cannot believe even one of them informs the insurance company of any of these mods.

As they can only afford 3rd party insurance I suspect it makes no difference, as the insurance company is unlikely to refuse payment to an innocent 3rd party.

Surely modifications only affect us Comprehensive policy holders where the insurer has some scope to protect itself. A friend of mine (30+) had no end of trouble getting agreement on increasing size tyre widths by only one size.

Do insurance companies really take a responsible attitude to customization of 3rd party insured youths? If they clamped down I'm sure we could drastically cut the mayhem on our roads.