I'm 25 with 4 yrs NCB - full Cat 1, but not declared any of the mods (really should do I know).
Paying 500 Fully Comp which isn't bad - could get it down to ?400ish but waiting to finish this years policy to get the magic 5 years!!
If you have cosmetic mods like mine that really are just other VW parts with a few extra's, I'm guessing I should declare them, but hopefully they shouldn't push Up the premium too much???
What do you think ??