I'm 46 (I know, I don't look it, do I?) and have a GTI PP with...
19" BBS Alloys
Milltek Cat back
DTUK tuning box
Pipercross air filter (now removed)
Eibach Sportline lowering springs
...and with about 15 years no claims (I know only some of those years count up to a maximum) I think I pay around £425-450 with HIC.
I've always found the best bet is to ring around a few of the specialist brokers (Adrian Flux, HIC, etc.) with the mods list and go from there. Be wary of higher excesses and whether cover includes commuting to work (some don't) as well as protecting your NCB.
Why do you say to be wary of higher excesses? I always set my excess as high as possible as I'd rather take the saving on the premium, and suck up the excess in the unlikely event I had a significant claim (I'd never claim for anything less than £1-2k anyway as you'd more than pay that in increased premiums in the future)
Only in as much as the way some insurers word their policies. Some will quote a voluntary excess and that's the total you'd pay. However I've had an instance where a voluntary excess is in addition to the compulsory excess and this was hidden in the depths of the quote given.
I've never added a voluntary excess as (when I've previously looked into it) the difference in premium was negligible for quite a large voluntary excess, so stuck with lower one's. This might be just for me as I'm a little more 'mature' anyway - you youngsters might have a little bit more to gain from it.
Back in the 90's I had an accident (my fault) and didn't know what my excess was. Went to pick the car up from the bodyshop with cheque book in hand (that's how long ago it was lol) to find out I had zero excess. Happy days!
