Fraud? I give my insurance company my VIN and they bill me accordingly. Now if they ever asked what was under the hood, and I lied about it, that's entirely different.Untill you had a wreck and they discovered you had been comitting fraud. They would likely not cover your damages and drop you like a hot potatoe
Saleens used to start out life as a V-6. Back in the early nineties, a friend who had a Saleen was using the same insurance company as I was. His car was the same price as my wife's V-6 coupe. No fraud involved. Cost was based on how the VIN decoded.