extra this will cost? i have a new bmw x5 jeep 09 plate, it has a skirt and kit, does anybody know roughly how much extra this will cost or should i take it off, i bought it like this so do i have to tell the insurance company, my insurance is already 3 grand a year cos i have speeding convictions and im 24, but iv been told they wont pay out if i don't say its on the car, please help,