lol having worked in that industry in the past I'd say it is their business to pay up and I've seen the benefits of a GOOD insurance company. I remember one year our department made £200 million and paid out £198 million in claims. Be aware that even clipped wing mirror claims can now be £10,000+! Cost of repair for other car £500, cost of hire car for other person £1,800. Questionable injury claim for the other person and their passengers £2,000 each and then add legal costs of £4,000. It stinks, but about 70% of third parties make injury claims. We all moan, but 'we' all are part of the problem. Unfortunately gone are the days of a £300 repair. The lawyers and the hire car companies (esp big names like Enterprise) are all on the gravy train at your expense!
But back to insurance. Far too many will use the absolutely cheapest insurer and wonder why they have problems. I'm not saying pay more than you should, but just make sure you use a well renowned insurer and that the cover is there for you and your use and circumstance. If that means paying £30 or £80 a year more, then so be it.
Tell the insurer the TRUTH. If your car is modified, tell them so. Don't convince yourself that they'll never find out because they will. If you tell them most companies will probably be fine if it's something minor (depending on the modification) and even if you've slipped a V8 in and uprated the suspension, you can still find cover with a specialist.
But don't lie. Don't listen to the likes of Martin Lewis who only the other day on his tv show told his viewers to be economical with the truth regarding their occupation with an insurer. WTF! Don't lie and hope they won't find out. They may not, but you can guarantee the time you pull out in front of a family putting their kids in hospital for six months is the time they WILL find out. If so, they are legally obliged to pay the third party injury claim AND then come looking for your assets to recover their costs if your policy is void. Wave goodbye to your house if that's the case.
If you have a child under 21 get them their own car and policy. Don't lie and say that your Mrs is the main user of a 14 year old Corsa and that the you are the main user of the 1 year old Audi A6 and the 2 year old BMW 3 series that you also own. You will come a cropper and you will be prosecuted and will get a criminal record. If little Johnie wants a car, then it will cost. The reason it costs is that when little Johnie does eventually roll it or stuffs it into the back of another car with his 4 mates in, they WILL and do all sue for £15,000 each and eventually that cost results in us all paying more premium.
So with the weird lease agreement it's vitally important to check, double check and triple check that the policy covers the car and the battery for the replacement costs of BOTH. Get it in writing if you have to. If they're hesitant or reluctant to do that then look elsewhere.