[flatheadfan]

First, this was an hypothetical question resulting from a discussion not an actual circumstance. Second, as for your reply, it may not be as simple as you suggest. Let's assume you make some substantial changes (or planning to do so), in the mechanics of your car (such an upgraded engine) or the general use of the vehicle. You call your insurance company and speak to a secretary-clerk-salesman or agent and receive an answer you feel comfortable with regarding the car's insurance coverage. Then let's assume at some later date a major event occurs and the insurance company is faced with a major payout. Ask yourself who is going to carry the day? What the secretary-clerk-salesman or agent may have or may not have told you or the insurance company's interpretation of their insurance policy? Unless, you have something iron-clad in writing... well, I think you get the picture.