Becs

Braindeaddave has a point that if a modification had any affect on the risk then the Insurers could have declined the claim and voided the policy. This tends to happen where there has been a deliberate case of non disclosure of material facts, of which had the underwriter known, they would have refused cover. E.g. a car that had performance modifications or had accessories fitted that made it highly attractive to thiefs.

In your case Privlege decided that the non disclosure was inadvertent and they have accepted the risk with the alloys wheels, subject to the relevant premium being paid.

Having said that I believe the Privlege claims team may have made a mistake. If the alloys and metallic paint were added in the factory when the car was built, they would be considered standard. It is possible that at the time the car manufacturer included these as part of the normal spec. You need to check this.

In the Privlege online site there is the following Q&A. Will the policy be affected if I have my car windows tinted?
If the tint is to the manufacturers standard specification and the work carried out by the manufacturer we have no problem. Anything else, please call us. This echoes what I have said.

You could also get a friend or relative to call Privlege for a quote on their car and ask the question about alloys and metallic paint, just to see what they say. This will reveal how they treat these.

Huckster