keep your insurance flush and declare every little thing... even if you change something stock on your model for something stock off another (basic black plastic to colour coded sporting bumpers for eg) insurance companys, and more specifically, the loss adjusters, are not stupid and will know if there have been any changes made like that. even the blue curtsy light will need to be declared. ive even told mine about a range of decals ive put on my car. better safe than sorry... even if your a good safe driver, you cant always protect yourself from the numptys driving and better to declare and pay the (possible) increase in premiums rather than get raped in the ass by the insurance companies.