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This might sound like a really stupid question but are mudflaps a modification and are required to be declared for insurance? I don't want to sound idiotic on the phone if I rung up.

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Everything you do to your car, that wasn't on the vehicle when it was released from the factory, ie not replacing but additional parts, is considered a modification and requires declaring to your imsurance company. This includes stickers :/

In short, yes.

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