You may well be right, Clive, about what the insurers would class as a "modification" – they are only money-traders who wouldn't know a spanner from a 'Span-set' ; and if it doesn't match the database or the issued OEM Owner's Handbook, it doesn't exist or is uninsurable.
As for a service, with some now you can't even replace a failed headlamp at the roadside. It's time the ease for the ordinary motorist or breakdown-assistance technician to carry out basic, roadside get-you-home or law-keeping repairs like lamp replacements, was a condition of the so-called "Type Approval " bureaucracy.
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If you can afford a Rolex… your accountant will settle the servicing bills within " household expenses " .
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I don't know what has happened about it but the EU had a proposal put to it a few years ago, almost certainly by the vehicle manufacturers' cartel, to make it compulsory for all servicing to be carried out only at the maker's "approved" garages and main dealers.
Apart from the initial effects on car ownership, it would have destroyed the general, independent garages; many of whom have already stopped selling fuel thanks to the minimal profits. Many survive because they are in villages unknown to the General Omnibus Company and 50-odd miles from the nearest "approved" money-mint.
It's all right for the directors of those companies. They can have a brand-new car every year – discreetly replaced if (when) it breaks down, and very likely do!
Oh bring back my Bedford CA van or Series Il Land-rover; both petrol. A real though thirsty Land-rover, not an over-price saloon-car with the name "Land-rover" glued to it. I became quite adept at using a kerb-stone to grind the pip off the contact-breaker point, and re-setting it with a bit of card as feeler-gauge!
(Actually I sold the LR after someone spotted what I'd missed – the chassis was severely rusted in places, thanks to the previous owner having used the car for beach-launching and recovering a boat. I did tell the buyer.)