Im pretty sure coilovers, pod and exhaust wont affect insurance
almost all skylines have pod and exhaust and if they didnt cause the accident
insurance has no excuse to not pay out
It would be pretty hard for insurance to prove a pod or exhaust casued the accident (why not call your insurnace up and asK?)
Yes permits would serve a better piece of mind
but its not like an engine conversion or a huge f**k off T88 turbo