[gary tompkins]

Yes and yes

Any undeclared modifications however insignificant would make your insurance null and void in the event of a claim. I'll always mention additional mods when renewing my policy, and make sure anything critical is stated in writing. Cosmetic changes aren't deemed as important as performance enhancing ones, but everthing should be declared.

The trike was a special case being heavily modified to start with. I had to submit photographs, a written description and valuation before I could get insurance. It's now insured at an agreed value of £8000, which is roughly what it would cost me to rebuild it from scratch.