Strictly speaking it's totally illegal. The skin will have been created by someone originally ( probably for the game you have ) and so, he/she, or the company he/she works for - the publisher of the original game - will hold copyright over it.
I don't suppose Ubisoft would mind too much if modders port ships between, say, SH3 & SH4. They own the rights to both games, but the owners of the rights to a skin from a non-Ubi game you want to use in SH4 might object.
Of course, a great deal depends on the circumstances. If the mod is strictly not-for-profit, but to enhance gaming experience and enjoyment etc. They could well allow it by "turning a blind eye." It will also depend on where in the sales curve the original game is. If it's an older game which isn't turning the publishing company many sales, they might take a more positive view of someone adapting their product than if its a brand new game where they haven't even recouped their original investment yet.
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