If your policy is invalidated, for example by not telling the insurer about modifications, and they are forced to pay out, they will seek to recover costs from you:
Modifications to your car Modifications are changes to your car?s standard specification, including optional extras.If you wish to modify your car, you must tell us what modifications you want to make, and we must agree to them beforehand. Modifications include changes to the appearance or the performance of your car, including wheels, suspension, bodywork, engine and any additional software features (excluding those provided free as software updates by the manufacturer). This is not a complete list. If you don?t provide correct and complete information or inform us of any changes, this could invalidate your policy or mean we don?t pay claims in full or at all.
Payments made outside the terms of the policy If we have to make a payment that isn?t covered by this policy because we?re required to do so under any country?s laws, we may ask you (or the person who is legally responsible) to pay us back any payment made that isn?t covered by this policy. This includes any amount that we have to pay because you don?t provide accurate and complete information.