Law surrounding insurance
I'm after some links to govt docs containing the actual law regarding declaring modifications to cars.
As I understand it, when an insurer asks you a question the law says you have to answer truthfully. However, it is the insurers obligation to ask you questions, and not the insured's responsibility to inform them of changes regarding the vehicle after the policy start date.
This is what a friend of a friend who worked for an insurance company told me at least, and when I binned the Alfa it rang true. When I bought the car it was standard; then I fitted the cat-back and didn't tell them. Then they asked if it was modified when I claimed, which I said yes etc etc, and it was fine. I had reciepts to prove when it was purchased and fitted.
So what is the actual 100% accurate law about this??