Insurance company and modifications - continuation.

CiniO

I have a small update in accordance with below thread, which was actually closed, so I couldn't write there.
http://www.boards.ie/vbulletin/showthread.php?t=2056207044

For those who didn't read the previous thread in short - I did some modifications to the car (lowering springs and strut brace), went to one of insurance company branches and told them about it. They said they will call me next day with any info if there is a raise in premium. But they never did.

I assumed that they didn't call because there was no change in premium, but I was strongly advised in mentioned thread, to contact them again and make sure that modification were written down by them, as otherwise I wouldn't be covered, and I didn't have any proof that I informed them.

So I did.

I rang them last week. Lady first had no clue what the modifications were, so I had to explain her everything. Then she said she will ring me later when she finds out what's the story with such modification. She did ring few hours later, and said, she has to contact underwriter, and it's going to take a bit longer. Next day she again rang about 3 times, obviously each time I had to accept their call recording policy, give all policyholder details, addresses, etc, and confirm I have a permission from policy holder (my wife) to do all the changes. I think I spend way over an hour over the phone to do such simple thing over these few days.
Finally she informed me that modifications will raise the premium by 15%, which I find strange, as car now is safer than it was.

Anyway - she asked me as well, what was the cost of modifications.
It was very difficult question for me, especially that she asked about exact amount.
I bought lowering springs secondhand, and fitted them myself. Strut brace was a present from my friend, and it was secondhand as well.
I tried to explain that I can't say, but she insisted on exact cost, so I just told her €400.

She told me that policy documents will be posted shortly.

I received them 2 days later (disc, cert, schedule, etc), but what I'm wondering - there's not a single word about modifications.
It's indicated in the letter, that there was change of the vehicle in the policy, and it causes rise of premium. But neither on cert nor on schedule, there is any word about modifications. The car details in those 2 documents above, are exactly the same as they were.

I was advised here before, that modifications should be listed on cert or schedule.

So I took a phone and rang them again. Spend another 15 minutes, and was told that's the normal procedure, and they have all modification details written down. But it's not stated on cert or schedule. I asked to post me any written confirmation, she said it's impossible


So now I'm in exact the same position as before, or even worse.
I informed them about modifications, was charged addition premium, and ended up again without any proof of it.

Waiting for any feedback from you guys, what do you think I should do?