It's simple, Insurance companies want to make as much money as possible. When anyone slams a car into a pole etc and they have to pay out, they are not making money, they are loosing it. If an insurance company can find ANY way to get out of honoring a claim they will. Whether it be unlisted modifications, drink/drug driving, driving under age, driving while disqualified or driving a banned car on your P's etc. Insurance companies are dogs. Never forget that