It does seem to be unruly, made-up-on-the-spot stupidity nowadays.
Moving house changed my premium with my (then) insurer from £540 to £1360 as I was moving into a “higher risk area”. I checked the police crime statistics only to discover that there was less ‘crime’ where I’d moved to.
Then I checked on a few price comparison websites and, not too surprisingly, everyone else quoted lower than they had for my previous address.
So I changed insurer, being careful to list the modifications my car has – doing so upped the premium a bit, which I expected – but spotted that my car was described as having “no modifcations” on the policy documents as well as having an alarm (which I’d made clear it didn’t).
On getting in contact with them I was informed that the modifications I have make no difference to the policy so don’t need to be listed…even though they’re included on the list their own website states “must be declared”…and even though it affected the price. Oh and having an alarm fitted doesn’t lower the cost of the policy by the looks of it, as having it taken off the policy made no difference to the price… 😕
Still, at least it gives me somethng to grumble about 😥