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Normally they insist on them being removed as it is against the c&u to have projections that endanger pedestrians?My car insurance is affected, as I have to declare I have metalwork sticking out of the front of the car and classed as modified. Mine is an older style of a frame. Plenty of toad owners say their insurance is not affected due to they have removable I bolts to tow from and are classed as non modified by insurers, despite the crash bar being replaced. Really depends on each insurance company.