How about this one : your car is fairly well modded with the usuall bolt ons K&N, Flexi, Dreamscience, etc. but you havnt told the insurance.
Someone steals parts of your car, wheels or bumpers spoilers etc.thats not linked to the mods, would the insurance pay out ?
The car would go in for repair/replacement parts on insurance claim and no one would know about your mods ?

I guess that'd really depend on who was involved in the assessment of the cars damage; the insurance company may well outsource it to the garage which are doing the work, they may not be bothered about the mods as they will want the money for the repairs.

The problem you've got is if you have made these mods and crash into other people, perhaps taking down a bridge as you go! The insurance company won't be wanting to pay out tens of thousands if they can help it - and that clause in your contract with them, can get them out of it. At the end of the day is it worth the risk?

problem with all insurances they like to get pay and on time as well!but don't they don't like to pay what they have to! sometime I question of having an insurance except get more money from u cos when u have a problem they don't no u anymore!

mate just wait for the exhaust u have a ST you dont need the exhaust straight away , wait and just enjoy it whilst its quiet