With insurance, its a big ad saying 'I have a big shiny intercooler, therefore my car is turboed' I think thats more so what they are worried about, and the fact that you want the cooler for a reason, and it might be for the safty of your car, but if your not on boost, you dont need it, and your not going fast. The cooler is telling them otherwise. Insurance companys arent stupid, just the people on the phones can be.
And I dont mean to come across as rude, but they are cars... not babys. They can take a bit of punishment.