Guys
Not really into the modding thing, and I ain't got a clue about most of it.

I have a stock 2.0 8v Mk3 - obviously it could do with a bit more oomph.

What could I do that won't cost the earth - I'm not interested in adding 10bhp, here or there - I'd like get it up to at least 150bhp, preferably more.
Could I get it chipped? What does this involve? How much? What about insurance - I have to tell 'em don't I?
Sorry for all the q's, but I ain't got a clue really!
Sometimes I wish I'd bought a 16v!
Cheers in advance,
Ed