mods on an insured vehicle

[sussgq]

G’day legends, so the age old dabble of having mods on our daily’s interfering with insurance. yes, i know the first thought is to get rid of them, or get engineering, but that’s not what i’m asking.

who has actually had a stack, either at fault or not and had troubles getting a claim back for things like 35’s, lift, no muffler etc? i’ve heard most people will truck the car home, and change stuff over before insurance inspect it to write off (if that’s the case)

am i correct in understanding that anything deemed ‘unroadworthy’, even such as a chipped windscreen, broken headlight, pillar pod, small things like that, also technically void insurance coverage?

any input is greatly appreciated