calvin, i just rang my insurance company and asked about a CAI in general, she asked me what it was :P in the end, i explained to her it would only have minimal gains, a few kw's, but would be better for the engine and better millage. her supervisor wasnt convinced, so they decided to pass it to another department. in the end she said it was fine, and asked me how much it was worth, and that if it was expensive that it would increase my premium, other than that, they didnt see a problem. i mean compared to other things u could do to a car, a CAI is nothing, they didnt even have it on their list of modications lol