Unless your going to be remapping the car adding a panel filter or intake will make zero difference.
The ECU with stock code just adapts around the additional airflow and in some cases (as I saw with mine while running in stock mode with the intake) will cause the EPC light to come one after a few hundred miles.
That's what I found with mine. I installed a Carbonio style intake system. On the standard software it made no difference except for the warning light. With stage 1 software the warning light is not triggered but the car does not feel any slower with the standard air intake from VW.
I think it is really personal preference. I installed the Carbonio style because I thought it looked brilliant. But the increase in noise (sucking from the turbo) and the chatter lost their novelty after a while. The other thing that put me off was some studying the OEM system. The problem with the Carbonio style is that debris will get in to the casing. Once there it is can either go through the filter (not really possible) or remain in the casing until emptied. The OEM system has multiple exits for debris allowing the clean air to go into the intake. Kind of like a skimming effect.
Certainly the carbonio style brings more air into the intake but I reckon the air from the OEM intake is a bit cleaner.
As regards to the insurance you would be best telling them. (another reason I removed mine as Admiral don't take kindly to modifications
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