Insurance is really pain the backside.
How about tuning the car without any remapping? Does that constitute a “modification”? i.e. adjusting the timing, air intake, mixture etc …
Changing to different brand of suspension shocks or getting an upgrade coils … ?
If “standard from stock” means nothing can be upgraded or changed then practically any minor fixed to the car can be considered as modification.
Bloody hell taking about a parasitic industry that make life difficult for everyone that actually produces nothing but moving money around.
Everyone might as well give them a cut of their earning to be “insured”. (I bet even a slight tuning of the car or perhaps having the evidence that someone has taken a look at the car management system would constitute modification … because you could have tempered with the system.)
😡