What happened here, I was gone for a few hours and now I have no idea what is or isn't going on, common law, contract law, acts of parlimemt (which are laws by the way) all of it is irrelevant, if your insurance policy states that you must inform them of any alterations or modifications that you make to your car and you don't tell them, then any insurance company can on finding out cancel your policy. You have broken the terms of the contract and as such the company has the right to terminate that contract, that applies in contract law any appeals to this is covered under case law under common law (what the hell is common law? It's the entirety of the uk legal system made up of many components we usually shorten it to just 'Law') anyway why are we talking about law its a bout removing the rear wiper motor and arm?
Its not illegal to remove the wiper put a sticker on the back window or put tin foil on your head to prevent aliens reading your thoughts do what you like, but for the former if your insurance policy says you have to inform then you have to inform removing the rear wiper on a mk2 punto you need to tell the insurance co, they might not charge more they might not give a crap but they have a right to know as they underwrite your insurance policy.
Same applies to
stickers where do you draw the line between a sticker and graphics? What you call a sticker someone else would a call a graphic and I would rather if I'd spent money on graphics that they are covered for replacement should they be damaged in an accident.
Do what you like I don't care you can be millatant about your dealings with insurance companies and sooner or later you'll be caught out (like
dave 's friend who lost her car) the key point is all modifications should be declared no matter how pathetic you might think they are, if its declared no argument, no taking months of rangling to get them to pay out no having to prove what is or isn't standard why put yourself through the hassle or at risk or being personally liable?
There is a thread in leisure lounge at the moment about a 13 year old girl knocked down by a car which is being challenged in court as to who is liable if that insurance company decided the drivers policy wasn't valid for any reason (drink driving or heavily modified car with anything being declared) then the driver would be personally responsible for footing the bill of her on going care which in all likely hood will run into millions.
Stop trying to fiddle the system and stop thinking you're really clever because of some experience you had in the past, because its other people's lives you could be affecting for the sake of saving your self a phone call to your insurance co or another £20 on your policy.
It's always better to be over insured than under insured always better to err on the side of caution and make sure your arse is covered
Why this argument has gone on this long I don't know a simple miss under standing? i dont know, or some petty troll who think himself better or cleverer than everyone else? What ever the case
the right thing to do is declare everything no matter how silly you think it is 
