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I told my insurance about lowering and alloys on mine as soon as i wanted insurance, mind you i think over last 18 years all my cars and vans have aftermarket alloys and most were lowered, as long as you state all mods and are honest with insurance there really is no probs.
Not seen snowflakes fitted yet, guess it depends what size you run. my mate had a set of 14 or 15x8 on his mk1polo a good few years ago looked really nice.
 
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