I've actually got 4 main mods, lowering, wheels, lights and backbox. Yeah I did pay £50 for the backbox wayned, not to worry though, better safe than sorry, still can't believe a tenner for the lights though.
I will be looking into a modified policy in August, so long as they don't sting me on insurance (I'm looking at £500 - 600 for my next renewal) then I'll be fine