my details are: 23, been driving 4 years but as a named driver so no NCB but had no claims or points. (and no im not fronting, my step dad does actually use my car more than me). Modified car insurance premium allowing unlimited cosmetic mods (including lowering / wheels etc) and +10bhp performance mods.
i pay £450 (all mods declared - 182 rep so front/ rear bumpers, skirts. colour coding, exhaust, alloys, lowering, induction kit etc), but it has come to the point where i can get a standard 182 for the same price through tesco so come next renewal time i may change my car.
I am currently with Brentacre, both me & my brother have been with them for 4 years and i cant recommend them enough. they insure both standard and modified cars and as they actually know about cars it helps when declaring mods. rather than calling somewhere from a big firm and you get put through to a call centre where they ride cows to work lol. i would definately recommend getting a quote from them, only restriction is you have to be 19 or older.
James