Sorry to hear that mate, its gutting
As for insurance the way they work now you have to declare everything on your car, they employ ex mechanics to do the job and they are trained to fine everything that is not standard often you will find one man will specialise in several cars ie subaru, mitsibushi, nissan and they will find out what is/isnt standard on your car.
They then save the insurance company alot of money because they can walk away from the claim, worse thing is some will then report you as uninsured and you then end up with the fine and six+ points.
In some ways that is why Keith Micheals is so good, i have claimed all mods no matter how small even though some are not fitted yet, that way i wont get a shock later on the price and when i fit another mod i just keep the receipt in a file for my records. Like for like is great .
All the best
Tony