I think I made a similar point. I debadged my 2.8 A8, but was very happy to keep the 20" wheels, the 'chrome' door mirrors and so on.
As to the mods and insurance, if the mods were just cosmetic (i.e. not engine, box and diff), would an insurance company ever know? If they noticed (which I very much doubt), how would they know that they weren't factory-fitted options?
I've not declared any of my mods (see list in signature) and I'm sure that an insurance company would never know!
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2002 Final Edition S8. Ebony black with Silver Grey leather and myrtle wood trim. Current mods: solar sun roof, 20mm rear spacers, 15 mm on front, red brembo callipers, 6k headlights, rear view camera, engine remap, alloy dash dial rings, alloy navi rings, tt/phaeton pedal upgrade, (and custom matching foot rest) dension ipod interface & parrot hands free kit (both fully hidden), av input, tv in motion switched thro' PF switch in blanking plug right of steering column, Audi 'quattro' sill covers, repositioned centre console switches, radio clock, .
Planned mods: auto-dimming rear view mirror, dash cam (as steamship's), fit the ski hatch, refit philips drl's (or maybe not - nope, definitely not - horrible botch!).
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