Don't forget that the majority (if not all) of the mainstream insurers only replace modifications with standard parts. I've also found in the past as well that if you plan on doing lots of mods the mainstream insurers aren't competitive at all, and some won't even cover certain mods. So if you're planning on modding heavily in the future, bear this in mind.
The specialist insurers lkike Greenlight, Adrian Flux etc. replace like-for-like so your mods will be covered and replaced if necessary. I'm with Greenlight at the moment but have also been insured with Adrian Flux in the past and AF's system of declaring mods was a complete nightmare - I had to fill in a paper form detailing the exact modification, date fitted, details of who fitted it, cost etc. and it took ages. If I added a mod I had to fill in the COMPLETE form again, I couldn't just add the new mod to their database because they relied on the paper forms for keeping records of the mods declared! Now they might have come out of the dark ages now and gone to a more computerised system but it really was a nightmare filling that form in as I had quite a lot of mods.
When I was with Adrian flux I was actually insured with Highway. Once my car got to a certain point they wouldn't insure me anymore because the car was too powerful (apparently). So I switched to Greenlight, got the paperwork through and found that I was insured with.......Highway! So they would cover me through Greenlight but not through Adrian Flux. Doesn't make sense to me!
I've been insured with Brentacre in the past too, although they weren't very competitive when I got a newer car and tended to favour older cars at the time, but it's worth giving them a try.
