I have a 1.6 SXI Twinport = 17" alloys, GSI bumper, Coupe sideskirts, Spoiler, K&N filter, Savage Backbox, Painted dash
I only have 2 years no claims (had a crappy 9 month excellerator deal with one insurer which stitched me up out of an extra years no claims).
Only been driving since 2005 (was a poor student) and Im 27.
Just had my renewal with Quinn Direct = £392 all mods declared but not like for like replacement.
Had a quote from Flux a couple of months ago all mods declared except my 17" alloys as I didnt have them at the time. = £407
Rang today - declared everything including wheels = £389.
Saved £99 with forum membership (or so they claimed)
Well pleased - paid all up front as its 37% interest paying direct debit which I thought was way to steep. One less monthly bill anyway.
Thanks to Flux.