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With the likes of brentacre, greenlight etc their policies are very flexible. I don't know you but the chances are you will change stuff, and if you don't then no harm done. Give brentacre a ring and quote here. Also ring and get prices from others and the chances are they will beat it. Good luck :)
I wouldn't go third party to start with. Go fully comp and try the traders on here. I'm with brentacre and they are good. They allow me to basically do what I want with the car, change exhaust, wheels and all that stuff. I just ring them and let them know the changes.