aftermarket exhaust on a 125?

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Joined
25 May 2009
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I've been looking at after market exhaust systems for my cbf125, i'm going to be keeping the cbf after i do my big bike test as a commuter so i'm happy to spend a bit of money.
My questions are
what is the negative and positive affects of a aftermarket exhaust's?
Will my insurance cost's go up?
Am i a plank for even thinking about it?
i will be riding on a cbt until i have enough experience so it could be the best part of 6 months until i do my test.
 
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