My insurance highwayman bumped my premium up by £75 and at just over £1k is already ridiculous for London.
If you go for modifications, have a look at sites like confused.com as the modifications list that are detailed under their form are standard and will give you an expectation of what the person in the call centre is likely to be asking. They'll probably tick the box that says 'increased power output' and then choose the percentage increase. I insisted that the person actually attach a note to my file stating that it was a removable Superchips Bluefin ECU mod. I phoned back the next day to check it was recorded on file.
Talk to a specialist broker as well, I remember trying to get multi-car sorted out with my current provider so I didn't lose a year of NCB by moving away. The car is a Cayman R and you try explaining what Sport Chrono is or any options that you have outfitted, it was like explaining neuroscience to a toddler. It's sometimes easier to just say that the car is stock from factory but stock in their eyes is no options and that includes alloys, bi-xenons and so forth so if you do select options and they are factory fitted, just make sure they know.
My advice is to not give them an excuse to screw you out of a claim. I ended up emailing my factory order for the Cayman to the broker to ensure that there was no issue with disclosure or the specification and it was fine. Happy to give you the details of the broker I use, he got a decent deal for me on both cars through AVIVA.
I say 'decent deal' with a hint of irony as I pay around £2k a year for 2 cars. Admittedly, in their eyes, I have only had a licence for 4 years (they would not accept my foreign licence without a huge added premium).
cheers
Alex
