ok this is wot i rekon, if its insured under your dads name, then ether get him to ring up and add the kit to the policy, or get his date of birth and impersonate him, thats wot i do, due to language barriers. in regards to if u can do it, or cant, if its under your dads name, they wont say no they will just raise your yearly premium in most cases, as the new KIT will raise the value of the car. when they ask u how much the parts are worth, the less u quote them, the less the premium increase, BUT if u do have an accident, u will only get wot u said it was worth. when i rang up about my CAI, i told them it was worth $80, and my premium didnt change. i think comesmetic mods are more favoured by insurance companies than performance. also, most insurance companies, even if you arent listed as a primary/secondary driver, if u stack your car, it will still be covered, but u just have to pay more excess to claim, eg $1000. i am currently insured under my mums name, not listed as a driver, for $660, if i have an accident, i think its abit over $1000 to lodge a claim. i am tho, listed as a driver on my dads old 626, to increase my rating, when i get 1, ill ensure the stivo myself, ill be over 25 by then. ** disclaimer, the above is based on my understanding, best bet is to ring up your insurer if u have any doubts