I used to work for a well known swindling insurance broker, and would use cosmetic modifications as a reason to increase the price, despite there being no further loading on the risk. Invariably you are made to call the company and then if you haven't declared they will scare you into admitting it, or if you have admitted to it, then that's their cue to up the price and blames the mods.
Tinting windows, painting calipers etc. has little impact on the risk - modifying parts like wheels, adding kits etc does, albeit nothing like they would have you believe. It's all about money. Breathe through your mouth instead or your nose? Well that's not standard, so please pay an extra £250
Oh, and think carefully about remapping/chipping as certainly the company I worked for the insurance companies had this as a standard check on any cars where claims were being made, even if your car was stationary outside your house having not been moved for 8 hours they might try to not pay if there has been some undeclared tinkering.





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