Originally Posted by Christian and Beccy

OK, so now we have established that if you fit parts to your car that are either a genuine or non-genuine version of the original part, then thats fine. Your premium will be as it should be and you will have the benefit of many many potential insurance companies.

However, if you replace the parts with parts of a different spec, then up goes your premium and down goes the amount of companies that will quote.

There are many other factors of car insurance that bother me, but paying for mods isn't really one of them.

So, put standard parts on your car and all will be fine. Lets face it, a K&N filter was never going to give you economy anyway and the car was designed to work with the brakes that it has. If you need better brakes then that surely reflects your driving style, which is why insurance companies become interested.