All

I am all for a robust discussion regarding the merits of claims handling and validation, but this thread was aimed at discussiing the length of time taken by Norwich Union to process the claim and not the validity of the claim itself. "What would a reasonable person expect" is probably the answer I was seeking and probably that vast majority who may also be looking for clarification.

However, your comments make interesting reading for anyone who buys a car with a new set of tyres, mags, seat covers, tinted windows, a new air filter, etc, in fact anything added that is not factory fitted, not just body kits, free flowing exhausts, etc. It would appear to me that the insurance companies could use any of the above to repudiate a claim on that basis.

Hopefully, if you start a thread about car modifications, with all your comments attached, it may bring clarity to others who might be in the same boat.