TVDOC....Actually, there may not be any such exclusion in the family policy as it permits you to operate, as an insured person, ANY OWNED OR NON OWNED VEHICLE! New owned vehicles you have 30 days use before they have to be added to your policy......It is impossible to know what changes that have been made from stock in many cases.
You may find that the exclusion refers only to PHYSICAL DAMAGE and not to liability.
In what state do you live?
Missouri.....but I think we are talking about two different things......
When an insurance underwriter prepares actuarial risk tables for insuring a specific vehicle, they rely on the DOT standards performance testing conducted on that particular vehicle design.......it affects rates, when various elements of crashworthiness, rollover test performance, braking, handling, skid pad, etc. are concerned.....from that data the "relative risk" is determined, and based on average drivers, premiums are assessed based on these performance standards. Each different vehicle design is rated separately. For example: you will pay higher premiums for a 4WD SUV, than you will for a passenger sedan.....due to the inherent increased rollover risk in the design.
As a result, the insurance companies will always include the caveat that they are insuring the vehicle under the assumption that its design and structure have not been modified from what they based their initial risk calculations upon......it has nothing to do with inclusions or exclusions.....and everything to do with the initial underwriting basis for that specific vehicle......
This is why if you construct a vehicle from scratch for some custom purpose, you cannot insure that vehicle under a standard policy.....and must find a "specialty" insurer that will write a policy for a non conforming vehicle, with no DOT testing performance ratings......
doc