I think it may be different since he contacted them the day after, when it had already been cancelled. If he had of had the info he got here on hand at the time, they wouldn't have cancelled it in the first place.
The problem here is that they have any old Richard working in these car insurance call centres with no knowledge of cars themselves. If it was one of us on the phone we simply would have known what the lip etc was and told him he could put that down as a bodykit.
Yeah, I just think the insurance company should of stated to the OP we are cancelling UNLESS you remove the mods.
Yea thats fair, they should have offered that option. But, even then I don't think the OP would have taken them up on their offer.