Adding to what SWC945 said, with insurance issues. U also have to be careful with insurance companies, they take your money no matter what!
Im with Just Cars, and i know that theres a few things that VIc Roads and EPA wont allow on the car, yet Just Cars still insures me and knows about them (EG: Power FC).
So what happens to me if something happens? I probably wont get payed out, but to me thats not fair because Just Cars should have told me im NOT allowed to have the Power FC and so on if the items illegal.
I shall be upgrading my rims soon also (x10" and x11"), will let u know with what Just Cars says