I didn’t say roof bars at all that was another poster, it’s essentially the same thing you’re strapping something to your car whether it’s rails or bike carrier can’t see why either would be any different for insurance, finance or motability.
Car comes with roof rails so all you’re fitting is the crossmembers to attach stuff too I’ve never encountered a problem adding stuff like that on other cars from finance to insurance the only things I’ve had to declare was stuff like towbars
I will ask Motability but considering those rails are fitted at the factory specifically to do that job I can’t see why using them is some kind of issue. I was using a bike rack as an example being the same sort of thing & I was half asleep at the time so sorry if my post was abrupt.