you had no experience of the ST , didnt know this club existed, you were walking past a garage saw an ST fell in love and bought it on the spot, you ring your broker and insure it, a week later you are involved in an accident with your car requiring major repair, but as you had no previous of the ST you didnt realise your car wasnt standard and had in fact been remapped with a full exhaust system etc, could you get away with saying you had no idea? would you still be legally covered and would you get your car repaired ?