been doing some "upgrades" on the truck of late as well as a bit of desert touring, I just got back so I thought I had better notify the insurance company (CGU) and let them know of the accessories and upgrades that had been added since the policy was instigated.
totalled up the amount ( quickly hid the sum from "she who would be the possessor of all things shiny") and diligently rang the insurance mob
came as a surprise to me that I had exceeded the overall amount that I could insure the vehicle for, the total of the accessories (percentage wise) tipped the balance and CGU were not willing to insure me...not even for "an agreed amount".
I had to find another insurer, in my case Shannon's were the only ones reasonable enough, price wise, who would insure to a reasonable agreed figure.........spoke to a few other blokes who said they didn't even bother telling the insurance companies of the upgrades in which case they would be underinsured which CGU told me would give reason to deny the claim
what has been you experience in this case, simply not tell of updates, blindly unaware or simply under insure?