on the mods note……(I used to work for DL many moons ago) a modification is/was classed as anything not on the original spec – so if they want to be @rsey then optional extras are mods. Now, I would never declare a panoramic roof or optional alloys or the like, but that’s not to say that it’s not technically fraud (in the most minor sense of the word).
I heard some interesting arguements in my time with policy holders dropping things like “I went for the bigger wheels” into a conversation, the price then jumps 10% and everyone gets a tad upset!