Factory-fitted options are not always treated in the same way as aftermarket modifications. The relevant answer depends on the insurer's wording, particularly where it asks whether the vehicle differs from the manufacturer's standard specification.

How insurers commonly treat this

• A registration lookup may already identify some factory specification.
• Performance packs, upgraded wheels or high-value options can affect vehicle value and repair cost.
• An accessory added after manufacture is more clearly an aftermarket change.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.