Hi Golfvr6,
Yes I would think you are right. From my own conversations with insurance agents the only common point seems to be that 'yes' they are interested in any modification to a standard car but it is only modifications that increase the output power of the engine or affect the roadholding of the car that is likely to lead to any increase in premium. It's obvious to say it, but a modification to improve say the braking performance of the car (say fitting ventilated disks in place of non-ventilated disks) would not in itself warrant an increase in premium - for obvious reasons. On those rare occasions when I change my insurance company I always declare everything that I believe to be non-standard and make a note of the time that telephone conversation finished (on the basis that with some insurance companies all these calls are recorded and archived, you can subsequently refer to what you pointed out during the conversation if it is disputed). Regards, yt.