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With some insurance companies, if you haven't added the aftermarket parts to your policy they will not be covered.
Reason: the insurance premium is based of stock car, when you modify, these parts are not calculated for.
This is why you need to add all aftermarket parts to your policy, which, will typically add to the cost of your premium.
This also gets "sticky" with adding power parts of other items that require an engineering certificate.
Disclaimer: this is based of all the small print in Australian car insurance policies.
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