But replacing a xenon hid headlight after a minor shunt will cost the insurance company a lot more than replacing a standard light. Same if I fit an AMG bodykit to my SL - an AMG bumper is a heck of a lot more than a normal one. So seems reasonable enough to have to declare things that aren't standard for that model.When my OEM zenons are fitted to the 43 i will update the VIN card negating the need to tell the insurance.