Point of the fact.
Third Party insurance doesn't chase up the other person's insurer, you have to do it yourself.
That's from my experience. This is also the reason why as you said, they won't cover modifications.
BUT
As i spoke to my insurer about this.
If i were to have an accident which im not at fault for, ANY damages caused by the accident must be repaired/replaced.
The amount of times car's with Carbon Fibre Bonnets have accidents and yet they still get covered (NON-ADR), provided you are not at fault.
When your at fault, it's a different ball game, insurance will look at any possible way to not pay you out.
Your car + modifications will be covered as your not at fault, regardless there not part of your policy etc.
That's why other have insurance to cover your damages, the other person's insurance had no idea they were going to hit a modified car.
Get your quotes done, speak to the repairers about your modifications and see what they say but they will tell you as i just said, it's a third party claim. Your insurance company won't even go check the repairs, the other insurer will.
You'll be sweet, i'll reply your PM OP, shortly.
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