Read this and wondered if it applied to anyone here?

I have in the past but not for a lot of years.

http://uk.biz.yahoo.com/17072007/389/lied-insurer.html - http://uk.biz.yahoo.com/17072007/389/lied-insurer.html

I always thought "social, domestic and pleasure driving" covered your commute to work...so Yes, i have lied...ive never had an insurer ask me if ill be using my vehicle to commute to work before..i understand business use is a different case but commuting...?

Ive often wondered about the added extras question, if you buy a bmw with 18" wheels and they say bmw on the wheel and the badge in the centre then to the untried eye they are standard wheels.

After all it like your house flooding due to a washing machine fault, was that the standard washing machine that came with your house sir?, did you notify your house insurance that you changed your washing machine.

I can see it getting to the stage where you have to get an assesment done before you can get insurance.

WRT alloys, in theory if the alloys the car has fitted are not standard fit then it is modified. I once got a quote for a Mondeo V6 that had been fitted with an RS bodykit from new and optional bigger alloys. All ordered by the first owner when he originally bought the car. However according to my insurer the car was modified and so they added an extra 20% to the premium.

At the end of the day I guess it depends on how thorough the insurance company check the car and how much the assessor knows about that model. It is unlikely that most would know if you've fitted different BMW alloys, as long as they're not massive and so obviously not what the car would have been fitted with originally.

jeepers,

i always thought that when they said modified they were referring to the engine/mechanics of the car, and not alloys or such