Not declaring modifications to insurance companies

[Diablos-666]

This has probably been discussed many times but...

what happens if you fail to declare to the insurance companies modifications?

If i had a crash would they cover the damage to the other vehical and not mine or will the whole insurance be void and im liable?

Iv seen a car i like which has a few mods...

Sports exhaust
Re-mapped ECU
Air Filter
Original Alloys but have been powder coated black -Is this a modification you should declare?
Front splitter added to the bumper
Head lights have been tinted slightly

The difference between the insured cost of the standard and the above modified car is over £500.

So im just asking what would happen if i failed to declare some or all of the mods?

Thanks

Diablos

[Diablos-666]

But how far do you have to declare?

I mean if its performance enhancing mods then i can understand that you should declare but if i didnt declare the powder coated alloys then surely they couldnt void the policy over that?

[Diablos-666]

Thanks for your input guys (and girls)

I think i'll just get the standard car. I was torn between a modified focus rs or a standard. The modified was well looked after and a grand cheaper than the standard (the standard has not been looked after as well) but i think it best just to spend that bit more and not worry about the insurance side.

Im limited on the insurance front as im 24 and only had my license about 10 months so i pay high insurance anyway, the mods just increase the premium even more!