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I ould think that you wouldn't be risking damage at all since jetting for pipes usually requires going UP in jet size which makes it richer. And it's too lean that can do damge while too rich can just cause fouled plugs or lousy running at worse, as far as i know.
As to the insurance question, i'm sure they can and will use any excuse to void your insurance in tha case of an accident when they have to pay out. The question is, will they inspect your bike for stock pipes? I would imagine that depends on the perticular case. If YOU caused an accident that caused huge damage such as injeries or death and your ins co has to pay, they may well look closely at the bike to find an out. Just my thoughts...i have nothing to back it up, but it makes sense that if the other party caused the accident your ins has no reason to look at your bike's legal state. In fact, wouldn't that be foolish on thier part because then they have to drop you and lose that $. I'm sure they'd prefer to keep collecting your $ and only drop you if and when it's finacially prudent for them to, which would only be when they have to pay for your mistake and it's a high enough amount to make it more beneficial for them to drop you than to collect your yearly fees for however long they think they might retain your business. So while i could be wrong, i'd bet on the notion that they could know your bike is illegal due to pipes and as long as there is no proof they knew it, they'd keep thier mouths shut and continue selling you coverage which when needed they'd reject.
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2005 Speedmaster, Neon Blue, Thunderbike pipes, snorkel removed, UNI filter, drilled airbox, 130 mains, TBS needles.(2 shims) And speaking of Speedmasters, HERE'S MINE
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