#Car with modifications can claim or not?

I know that many car owners are concerned if insurance companies will honor their claim if their car has some modification and got into an accident.

From my understanding, there are insurance companies that will consider claims for modified cars on the following conditions:

• The modifications do not require approval from LTA
• The modification are not the proximate cause of the accident / damage / loss

The insurance companies will replace the damaged modified parts with original factory fitted parts, but they have the final decision on the type of parts to be indemnified.
No claims is payable if the vehicle’s modification requires approval from LTA or any modifications not
approved by LTA.
The above shall only be applicable to Private Car only.

They will not pay for claims for commercial vehicles such as vans, lorries, buses and rental fleet, if there is any modifications to the vehicle.

Different companies have different policy wordings and coverage.
Can claim or not, ask the insurance companies will be the safest.
Get hold of the prints and safeguard ourselves.