Sadly this scenario has been aired many times over the years, with various problems with the Three Wheeler. I don't know how Morgan do it but they seem to be able wriggle out of their responsibility time after time, and I have no doubt that the odd one which they have had to pay for has been silenced with a confidentiality agreement.
I'm sure they would do the same with the chassis breakages if they could, but that is just a step too far to get out of paying for.
