Quote Originally Posted by cyber_scriber View Post
Aside from the already mentioned issue of your car being assessed if you make a claim, they'd also be within their rights to deny your claim because you've failed in your duty of disclosure to them.

As a condition of your insurance, you're obliged to disclose to your insurer, all material facts and issues that might affect their decision to insure you or that might increase your risk as an insured. It would be a safe bet that an illegal tint would be a fact that you're obliged to disclose.
Yup, in economics study we called it Signalling and Screening, which are both parties have duties to disclose the informations . I even had to update everything from a tiny mod to whatever i did to my car: tinting, streo system, rims, paint protection, parking at night blah blah. I learnt all the mistakes from my friends when he applied for a claim few months ago. I just can not believe how the accessor do their jobs. Even the consultant keep saying ok blah blah ...