Parksey, the reason that I stated "OE Spec Filter" is because you don't have to tell your insurance company. The reason for this is an OE (Original Equipment)Filter is any make to that specificatation the filtration material is irrelevant, it just has to fit in the same way into the same airbox. This is not classesd as a modification an indution kit is. Mind you I just rang Norwich Union about the proposed exhaust change and they were not bothered as long as the cat stayed.