[Soupy]

https://www.autoexpress.co.uk/exclusive/365458/driver-whose-towbar-voided-his-insurance-wins-payout

We also wrote to the Financial Conduct Authority - responsible for setting the rules the Financial Ombudsman has a duty to interpret - to see whether they agree with our assertion that insurers are failing to comply with their duty of care to customers. We think our approach has been subsequently vindicated by the number of Auto Express readers who have contacted us raising similar concerns about confusing information around what may or may not constitute a ‘modification’ for insurance purposes.