Budget short term vehicle insurance

So you buy original Mini Cooper S, insure original Mini Cooper S, but insurance company can authorise supply of **** parts even though you pay original money to insure said Mini ,Cooper S .<br> <br> Now we know why they called Budget Part Insurance, ombudsman says this is legal as long as parts are non critical , is a radiator a non critical part ?<br> <br> Budget insurance will not be seeing any return business from this client.