I agree that you might as well declare everything performance or visually related. But to withdraw cover on the basis of a sticker added that wasn't from factory woud not stand up in court of course - for insurance to become invalid and be withdrawn then the transgression in non-nofication has to have some material impact or consequence of the claim or investigation in hand. I have been with the same broker for nearly all my cars for over 30 years and he always gives me the latest 'industry news' when I have another renewal conversation. He told of a chap not long ago in a blue Fiat Punto who painted it yellow without telling his insurers. He later ploughed onto a roundabout without stopping and t-boned a car already on it, writing off the innocent drivers car. Young Punto mans' insurance claimed invalid conditions, withdrew cover and would not pay out for 3rd party damage. Went to significant court and found against the insurance company as they cannot withdraw 3rd party cover as that had been legitimately paid for by Punto's owner and as a requirement of the Road Traffic Act, it still stood. Suspect Punto's insurance company went after him for all the money, but that's their matter, not anyone else's.
Very interesting recent change to Motor Insurance in the UK is a case brought last year for loss and damages following accident on the Nordschleife. Whilst insurtance companies can claim not to cover the Nurburgring fully-comp if there's an accident, they could never withdraw cover from 3rd Party liability as it's a public road in formal terms and full German road traffic laws apply (I have actually paid a speeding fine on the Ring myself to a very grumpy Polizei fellow....). Someone from the UK had a claim made against their insurance (as did the Nurburgring GmbH for armco and closure losses) and it was thrown out on account of it being a race track in everything but German small print. That is why we are seeing the Nordschleife specifically excluded on an increasing number of UK policies now, as it is NOT considered a public road and therefore not covered, despite what the German authorities might say (this may be something to so with Brexit thinking about it, as it does mean that Green Card requirements are back in and therefore much at the discretion of the insurers. You can buy Ring insurance, but it is now getting very expensive. Interesting times in the insurance world I think.
That is very interesting, the ring is certainly a minefield - both in driving and bureaucracy!
