The only problem with Bell/Admiral/Elephant are they insure you and your as standard, yes declaring mods makes little difference, but if your car isn't considered a write off, they will only take back to standard. The other problem I'm not sure about as of yet is if they allow you to salvage any parts off the car before it's scrapped because if mine too a punt and was wrote off, I'd want all the stuff I could get lol!
