
And if you drive something with a bit of poke, you can bet they're breaking out the bubbly in celebration of the massive wodge of your cash they're about to get their grasping fingers on. And because you've had the nerve to spend your hard-earned money on making your modified car the envy of your manor - or at least made a start on it - you've probably heard them suppressing their sniggers as they tell you that they won't cover your modifications, and will only give you the 'market value' of the standard car if some muppet writes off your pride and joy.