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Not true, I'm only 18 and have a 1.2 with modified wheels, exhaust, suspension etc insured with Elephant.
I reckon leave it modified, a lot of hassle stripping and obtaining parts to put it back to standard.
Yes, but is any copper really going to be anal/eagle eyed enough to spot you driving past without any postcode on your plates? Most M.O.T places don't care either.
Quite a few people have got the RS bumper on standard wings, involves sanding away at the top corners till the bumper is flush with the wing. There's a guide on here somewhere.
Think it's basically along the same lines as the 182 setup - 182, 182 cup, 182 with cup packs.
I'd have to get speedlines on a 200, no doubt about it. Looks good though.