After a telephone conversation with martin at hic on thursday, my confidence in insurance people has been restored!!
he managed to knock £100 off the best price i had for a standard mk2 16v.
the new spec is:
mk2 16v gti
20vt conversion
16" alloys
on coilovers
g60 brakes
90spec rear lights
full stainless system
2.5" downpipe
FMIC
induction kit
cat1 alarm
£780!!! TPFT 3yrs bonus at 21 years old
Cheers martin!!!!