As long as your only lowered up to 5cm on the coilovers you should be fine as it doesnt specifically specify springs/coilovers etc in the policy, Im with admiral with coilovers and no specific mention of coilovers, just as above <5cm or >5cm.
Admiral couldn't give a toss about your mods as they won't be paying out for them anyway, hence why they are so reasonably priced for mods. For example, you could have coilovers, toe and camber arms, polybushes, uprated ARB's and drop links and they'd only count that as a single modification because it's all suspension. It's crazy but great at the same time if you want to get on the road as cheap as possible.
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