Take it off and god forbid you have a serious accident where someone else is hurt you have given the insurance company a perfect excuse not to pay.
Worse if you are hurt by someone else , their insurance can use it as a reason to argue....
Did your mate tell you that?
Start with thinking about your first statement and now consider.... Is it a criminal offence to drive with excess alcohol in your blood ? Answer: Yes. If you do and you cause injury to another person, is your third party liability insurance invalid or reduced? No.
So, having established that drink driving (one of the most serious offences in the long list of possible motoring offences) is not cause enough to invalidate your policy, how in God's sweet name is removing a steering damper (a non-criminal or indeed any offence) meant to do it?
Still in some doubt? OK, let's continue on with your second proposition, probably best done by imagining a scene:
You are walking along the pavement and biker mate on his awesome 1200 GS WC steed (from which he has removed the steering damper that very morning) is somehow foolish enough to mount the pavement, hit you amidships and render you a quadriplegic demanding 24 hour medical assistance for the rest of your natural, amounting to um let's say.... £10,000,000. But hey, wait a minute, biker mate's insurer then goes, "No steering damper, no way we pay. Good day to you, Sir". As and when that happens, do you think - even for one tiny second - you'd be left suing biker mate for the wedge? Or do you think his Motor insurer will be stumping up the cash? Answer on a post card to the usual address.
Third Party Motor insurance is governed by the principle of 'Strict Liability'. Read on...
http://sixthformlaw.info/01_modules/mod3a/3_10_principles/16_principles_strict_liability.htm
