Pretty much un-detectable > Yes
Should you tell your insurer > I guess it's up to you and how much they quote for the known modification. If they quote you a nominal amount each year for the mod, then yeah why not tell them. If they quote an arm and leg that's fifferent.
I guess it comes down to whether or not you are comfortable 'misleading' or failing to inform the insurer about the change.
Personally, I would investigate the impact of the change first then decide based on the new quotes.
Lee without a shadow of a doubt you should tell your insurance company.. they will try every trick in the book not to pay out. It may not be just a cars damage which you'd have to fork out for .. personal injury claims runs in the 10's of thousands.
If you can't afford to tell your insurance company that you can't afford to do it..
good morning all. just had a quote from company called FRIZZEL - 0800 032 0307. don't charge for external engine mods. chiping (superchips) a4 diesel 130. seems to be my cheapest quote by far. got thier number elsewhere on this site.
I'm now happier to have a high excess (around £600) to lower my current premium, stash away the saving. As if I'd need to make a claim, my renewal would likly to have increased more than what I'd saved on the reduced excess.
Instead of making a claim for sub £600 I'd plan to pay myself, resulting in an extra years NC at renewal time.
I'm a young driver without protected NC, and with not many years NC (It's amzing the damage a foot high metal post can do at 5mph). People in different circumstances may find this doesn't work.