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I received this letter about modification and my claim has been declined. Please advise me what modification you guys are talking about. I bought my car as is. The only thing the vehicle has is after market stainless steel exhaust which is not any modification. I have full service history. My car has passed AA test when I purchased it last year. I pay my premiums on time. I will take this up with ombudsman...this is absolute nonsense. When we take these policies...we are promised so much over the phone but when we have a claim we are left in the Bush....this makes me so upset that companies like innovation group do things like this when clients are in distress. We take out policies to protect ourselves...not for enrichment. Why have I been paying to get a declined letter that does not explain anything at all. Why do you guys take our money and then do this to us when we need help.