I am fully aware performance mods to a car can effect your insurance but... Would changing the front of ur car effect it? I want to change 2 lights to quad! Many reasons... because i think it will look better + I had a accident when i ran into another car at 2mph because the person in front did a emergency stop and i rolled into him. The front bumper and lights got pushed back into the car and now there is about a 1cm gap between my lights and bumper (You can look right down). Changing the front would hopefully correct this.

Also wheels? would changing my alloys to some other more expensive alloy and tires effect insurance? Are these classed as stype or performance mods?

Also want to change taillight clusters to a different color.

Is a spoiler a performance or style mod?