The VIN tells the insurance company what engine it has (or came with).
In my experience, I simply did the switch and didn't mention it (I had a Camaro with a 307/automatic; I installed a new 350 engine, modded it somewhat and converted to 4 speed).
Never a problem.
It was wrecked once (just sheetmetal damage & radiator, no engine damage) and they gave me enough on my claim to have it fixed properly, although I had to fight for it.
The insurance adjuster never noticed the engine and trans didn't match the VIN.
Something to consider.
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