I had an interesting conversation with bell direct last night as was looking at switching my policy.
I have a late 99(v) 20vt(6) with leather bucket seats, plus alloys etc.
I was asked if there were any optional extras on my car and I mentioned the 6 speed box. I told them this was standard fit at this time but they said this was a transmission change and tried to up the policy by £100

hmmmm
I stopped the call and went on the net to play with my quote. Adding interior changes on top of trans would only add another £10 to the policy and I definitely want the interior covered.
Phoned them back to discuss this further and was told that I would have to declare these 'optional extras' but in the case of the claim they would not be covered. Only the base standard would be covered.
"What if someone broke into my car and slashed only the drivers seat? Would they replace it with the cloth option"
"yes if that is the base standard fit"
Now admittedly I was only speaking to a couple of phone monkeys but they were trying to increase my policy without covering the extras.
Took policy out on standard car (as far as I'm concerned what I have) on the net but was surprised by this exchange

.