It is very interesting that, with a car, the exhaust rots away, so most people will go to quick fit and the like to replace it, these cars are then driving about with a non standard exhaust. Whilst when a bike exhaust rots through, and is replaced with a micron/akropovic ETC exhaust that is still road legal, it is considered a modification. And tyres, how many cars have original equipment tyres on them? I sure as hell don't buy the same make of tyre that the car was built with.
As someone else said, what about aftermarket parts, IE brake pads, oil, bulbs and on cars, track rod ends, steering racks/boxes ETC, the list is almost endless.
Why is tank and side panel protectors a modification? Why is a scot oiler classed as a modification, I'm being scammed because I don't want to spend a fortune on chains and sprockets. And the most nonsense thing I've ever heard, crash bugs, which technically SAVE the insurance companies money.
Just vote with your feet and do not use them, they'll get the message eventually. I use MCE, very good, spoke to a very friendly, nice lady on the phone from the show room when I part exed my bike, swapped the insurance over immediately.