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Mine has up to 5k in aftermarket parts. However lighting is kinda weird so if I have aftermarket LEDs those wouldn't really be covered but they would likely give me a cheque to buy new ones.
I was looking to switch insurance companies recently and the cheaper one I was looking at had a policy to drop you or deny claim if any mods were on the car including my intake, and even lowering springs would make them drop you. Cat back exhaust not allowed... Nothing was allowed. Always talk to your insurer
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