Jazz,
Glad to see you've seen the light once again. You have to be very careful with insurance companies, they are very sly. You will take out a policy with them, and you'll think, I won't tell them about my aftermarket bumper, I'll just tell them I thought it was standard as it came with the car. Well, unfortunately, they won't give a toss about your bumper until you prang it. Then they will go over the car with a fine tooth comb and anything that is not factory fitted makes the car instantly modified and therefore uninsured. That way, they've got your money for the policy, they have no legal obligation to cover you and they will not pay out any claims. You can't rely on your defence of saying "I thought it came standard with the car", as ignorance of the law is no defence.