I'm putting that forward as a possibility of what could happen. Clearly it's not best-practice, it's quite a significant departure from the regs. I've never done it myself, but then I explain about testing beforehand and not proceeding further until/unless quote for required remedials has been accepted. I rarely do CU changes though and have lost some jobs because I couldn't guarantee a fixed price. In general I do give fixed quotes for almost all work because it gives 'peace of mind' to the client (see OP's comments!), maybe that's why I don't do many CU changes. I wouldn't be happy leaving an installation with CU I just installed without RCD protection where it should be, but replacing the CU (and in doing so making significant improvements to the installation) is I think preferable to making no improvements. I think this was discussed here before.
I suppose if there's nothing in BG's terms about it they could be playing the averages and just suck it up when they get a job that requires significant remedial work, (and they may have lower overheads in terms of cost of fleet, materials etc due to buying power), but I doubt it, because people with known problems would try-it-on.