Insurance sector’s view on alterations
Footman James advises that all alterations must be declared and that ‘all modifications need to meet required safety standards – if they don’t, they may be classed as unacceptable from an insurance perspective.’
The broker adds that if a mechanical failure that resulted in a claim was found to be as a result of negligence, it might be rejected. Also, if the vehicle was found to be unroadworthy (such as by the fitting of non-compliant new parts), then a policy could also be invalidated.
Peter James Insurance says the insurer could seek to recover claim costs from the vehicle owner or the insured, should any nonroad legal parts be found.
Meanwhile, Malcolm Tarling of the Association of British Insurers, says: ‘It is not the role of insurers to police either the roadworthiness of vehicles, or loopholes in MoT testing.’