Rip off insurance

Spent a fourtune on a car stereo, check that the insurance company will cover the cost if stolen as most companies will only pay a nominal amount! Put some expensive wheels on your car when it gets stolen the insurance company will say the wheels contributed to it being stolen! Lowered your car that is classed as MODIFIED so if you have an accident they will not pay out! They will also not pay out if you have tinted the windows yourself without telling them! There are a hundred reasons why they won't pay out and they have a thousand more on top of that even a sporty exaust can count! Also condition of car counts, has it got good tyres? Brakes /steering joints /lights? Because if you have not they will not pay out!