Just looking at insurance, which companys do that, its all a bit of a grey area, most seem to include chilli pack as factory built but not sure where other things, ie 17" Wheels, Spotlights, Dark Rear Glass, Sat Nav are classed as modifications
For me not having Sat Nav would have ruined the enjoyment of car because I would see cars with it in and think 'I should have gone for that'.....currently having this feeling about Bi-Xenons but hey ho
