currently have a 1.8n/a did a quote £920 all mods declared (yes expenive but im young so cheep for me

) did a quote on a 1.8t with all my mods declared and with a remap £1080, gone over the 1k mark which i said ide never do again but hey no brainer for me sell up and get a 1.8t.
however my insurance runs out in 2 weeks. so unless i can find someone who wants to do a swap on a 1.8t for a 1.8n/a in the next week or someone to buy mine then me buy theres im going to have to renew my insurance as i need the car to get to work.
what im thinking is just renew the policy then i can spend the next few months looking for a prime example of a 1.8t and sort out selling mine and buying that. or maybe getting a small loan off mum and dad to buy the 1.8t then the 1.8n/a can be sold. anyway whats the deal with swaping cars mid policy, will i still get my ncb ect. obviously im going to get charged the£100 more plus an admin fee but im ok with that.
any down sides to switching mid policy?
cheers