as far as my ford dealer told me, whatever you change, isnt covered under ford warranty anymore
which seems fair enough, cause you generally get a warranty from the parts modifier
im surprised they (ford) recommend pedders, cause as far as i know, everyone else doesnt... their sports ryder kit is essentially a monroe gt gas damper painted red
as for insurance, some insurance companies have limits on how much you get the car lowered. i know nrma dont like it(read - wont insure you) if you lower your car more than 30mm.
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