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If the insurance want to be c***s, they will be. The ktec has increased bore, therefore could be considered performance enhancing. A pattern part won't, hence the difference.
I've been told that insurance inspectors fee's are related to the claim they can save the insurers. If you end up in a...
Thats because you bought a car with ITB's anyway;). I wouldn't go down the ITB route either, but I am considering the Icarus inlet mod. From what I've heard everyday driveability won't be altered, but I will get a decent power hike.