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Yeah - best advice is to look at your policy for what extra amount is covered and get a separate rider for other parts. Mine covers $1K w/ reciepts, IIRC. But a turbo or motor - many will drop you just for having it and others will jack your rates.
Oh yeah - I've heard stories (none first hand) of insurance cos disputing claims b/c of the failure of the owner to mention the swap/turbo. You should be able to win, but keep in mind that they may try to avoid coverage at all based on your material omission/misrepresentation.
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