It depends on the wording of your policy, while you might drive a defective vehicle (has modifications that are defectible) these items might cause you to be in breach of your policy (which is what they will say to deny the claim), the law states that unless these items directly caused the claim they still have to pay out the claim ie. you have a pod filter exposed and it caught fire, causing the car to go up in flames = claim denied Vs. you have a pod filter exposed and crashed into another car = claim is valid.