And Jonny, I'm not sure your insurance would cover you for a volcano, I'm pretty sure that comes under an 'act of God'.
What you'll be needing in THIS case is.......
Volcano Insurance
In all fairness, it would be VERY interesting to contact the your insurance company and ask what they think..... despite as in most people's cases, declaring all mods, would that hold up in terms of covering you?
Personally, I think not - you'd be notifying them that you have an illegal mod (for a specific use). The fact that they're ignorant to the details doesn't make it legal.
all imho, and moot really, as I don't run these pads.
Dan