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surely u can remove the pump and change the belt for a smaller on then the only reason the steering is heavy is because of the fluid in there is not being pumped, so drain all the fluid out the system too and it will be fine
im sure u can get em done for like £25 a wheel in a bodyshop! get ya wallet out ya stingy git ;)
plus it will flake and look all sh*tty in no time runnin round down by the road at speeds in no time.
if they cant insure u its not your fault, u can/have to end the policy and start another one. they cant fine u or add cost or anything if its their fault