All of what i said was based on the assumption he didn't have an engineer's cetificate for his modifications. If he doesn't, then his mods are illegal. Insurance companies will not knowingly insure a car with illegal mods (not even shannons lol), nor will they honour an insurance policy on an illegally modified car involved in an at fault collision, particularly if it's going to cost them alot of money.

Any modification that "does not comply with standard", and isn't accompanied by a complete engineers certification is considered illegal.

Wheel size is a good example of this, your allowed to legally change the size of your wheels within certain limits, without being hassled by police or having to tell your insurance company. (width/diameter/wheeltrack)...but once you go beyond that, your required to get an engineer's certificate to certify that it still meets the ADR. You can easily bolt on a new set of rims thats alittle bigger than that, with no drama's, but the fact that you and i know it's safe, has nothing to do with it being certified legal. Most insurance companies will state that they will only insure LEGAL mods. It's never a matter of udjusting the premium to cater for illegal mods. That said, it's not good for an insurance to deny too many claims. I think they would probably use some discretion as to which claims are honoured and which arn't, based on the extent of the modifications.

The fact that he is driving a banned car, that has illegal modifications, would almost certainly void his policy, provided he was in a situation where he was making a claim on his own insurance company, and they had all the damning evidence lol

As you said, it's all about risk. Most big insurance companies arn't equipped to properly deal with the minority groups of people who modify thier cars, and don't tend to thoroughly investigate most claims. They repairers wan't to repair, and the customer want's his car back, it's nearly always that way.

Some insurance companies don't allow ANY mods. They draw up the terms under which they will insure you, you agree and abide to those terms, and in turn pay for the service. Legally, if you violate the terms of the contract, there are penalties. That said, what can happen, and what regularly does happen are quite different.

btw, nothing shit about a jazz...very good car, and a jazz is definatly a smarter choice for your first car, particularly while ur on your p's than a supercharged integra. Dunno what the point of saying the car should be crushed into a cube came from though?