Sorry for the hijack, but I'm a little confused.
Let's say that a person has a NAS 90 and wants to convert it into a 110. He picks up a Marsland 110 frame, the appropriate parts, etc - all legitimately - and after a few weekends, he has a nice shiny 110 sitting on his driveway. The title is legitimate, but still says "Defender 90".
The insurance company does absolutely nothing with registrations or titles. The state won't retitle the vehicle because it's the same truck. The frame has no VIN. So the owner still has...a Defender 90.
So how is, potentially, this truck any different if the PO basically took an 88 and turned it into a 109? Is it the lack of documentation (perhaps due to the seller being a second or tertiary owner?)