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it probably has to do with if you add more things you add more value, so more things that can break or get damaged. wich means you add risk.
reality is that the things we add are usually homemade and of little value, and since they are usually placed on the exterior, they can protect the originall car. and thus decrease the risk.
on the other hand these homemade stuff dont have gone through any CE testing lol, so they could come loose and damage yours or other cars. but in that case i strongly doubt any company would pay for that anyway.
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