most insurers will charge you extra for mods, or not accept them at all, but quinn direct do not charge you for most mods (excluding engine mods)
Sounds like my Sister should have gone with them (First car was a Saxo VTR - 17s, Bodykit, Twin exit silencers, 6x9s) She got quoted £1550 for 9 Months by NUD (Albeit, with a years NCB after that 9 months)
That's tempting now...Over time, maybe some new alloys, rear bumper and exhaust. And of course, the "attention to detail" stuff like Tax Disc Holder, badges etc.

Anything to give a 5 door auto a bit more street cred (Auto by force due to medical condition, 5 door cos the car was like that

)
Anyway...
I'd seriously consider QD - They've done me proud so far. My policy also has my Mum and Dad on F/C as named drivers.