I agree but if they dont explicitly ask the question I wouldnt tell them.
Once you tell them anything its logged and first thing they check.
Probably not so bad for drones but on a car or home policy even just asking a question gets logged on CUE database.
I once asked for the cost to add a remap, didnt go through with it and on buying next policy with another company I had a CUE flag and they wanted proof the car was not remapped.
Iām pretty sure the policy wording will go something along the lines of ālatest updates as per manafacturers blah blah blahā must be installed
Probably ā¦ 
5 seconds in a microwave and firmware is irrelevant 
A little off topic but a friends (ex) partner worked in the legal department of a large insurers and her 9-5 job was ringing up claimants and trying to worm out of you being covered. Nice lass but a morality check needed on the work front.
What difference will updating firmware do ?
Iām annoyed because it is all over the internet on how easy it is, all I wanted to know from them was changing my policy from Zoom to Pro to pay for the difference. DJI have made it that simple to change just 4 screws so canāt see what the problem is.
I really am now facing the decision do I resell or just keep for as and when needed, I have 1 month left on warranty,
Keep! 