YOU are permitted to lower your car, provided the distance between the suspension bump stop and the component making contact with the bump stop is not reduced by more than one third. And you must not go below the minimum 100mm ground-clearance requirement. When it comes to fitting larger-diameter wheels, the overall diameter of the replacement tyre and wheel must not be more than 15mm greater than the largest diameter tyre specified for the VX. You also have to take into account that changing the overall diameter of the wheel and tyre will affect the accuracy of the speedo and odo. The changes you're talking about sound fine, and not too radical. But talk to a tyre and wheel specialist such as Russell Stuckey at Stuckey Tyre Services and a suspension specialist such as Pedders for the best advice. You'll have to talk to your insurer to determine the effect on your cover. Some companies are not interested in taking on modified cars. If that's the case, you could try specialist insurers such as Just Car Insurance, Shannons or Torque Underwriting.