As ET said, as I have his Q and he has my U (I up graded), as soon as I told my insurance company about the 4" lift and 35's they dumped me very quick, I can understand their concerns as it is illegal here is WA to run anything over 33's and a 50mm suspension/body lift.
There are a few companies in Australia that will insure mods to this extent but 35's and 4" lift is the maximum they will insure, the insurance issue was discussed a while ago, started by Kat...... here is the link
http://www.nissanpatrol.com.au/forum...-Car-Insurance we made it sticky in case this issue was raised again.
As for timed events, ET is correct as usual, participating in any off road events will void your insurance quicker than you can say " tree, look out".