/Facepalm
Oh Andy, you come across as Grandad wading into the debate
You make a valid point about keeping the car clean though. You can mod your car for all its worth but if it looks dirty then you may as well not bother. On the subject of Insurance, i've found with ALL my mods so far is that they are unwilling to qoute me how much it will hurt my wallet untill after i've done it, otherwise they aren't interesting in what i have to say. I can understand their point, as they could tell me and i'd be like "Howwww muchhhhh?!" and not bother, money lost on their part.