I too have been following/contributing to the recent accident thread on here.
At one point a frequent poster said it was all getting a bit silly when we started talking about tyre mods. And yet here, RR is saying that ALL mods, even cosmetic, should be listed!
Now I can understand a claim getting busted back if safety/performance/handling mods (and I agree tyres/wheels should be amongst these) aren't notified, but cosmetic...?
The way I understand it is that your car has an agreed value with standard kit/approved extras. If it's damaged/a total loss, they'll repair to original spec, or will replace with market value - again to the value of original spec. I'd have thought undeclared cosmetic mods won't affect the validity of a claim as such, it's just that the value of them won't be covered when it comes to replacement.
As ever, please correct me if I'm wrong!
SSL