That’s interesting.. I pay 8$ more a month to have all my aftermarket parts covered. But... if I never told them they’d never know lol. Usually here in the US most full coverage insurance will cover up to 3-5k of aftermarket parts with no problem. No increase in premium no disclosure to them either. So on that side of the pond, do you have to report it? Are there inspections periodically? If it’s a yearly inspection couldn’t one just swap over the cat back for it? I’m just interested lolNothing to do with the government - Insurance companies are private companies and it is a risk based system. Modified vehicles are more likely to claim or require a claim hence the loading.