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I used to be insured through my mum through more than, they hated mods so when i started doing them (about a year ago) on my old 1.2 i finally went on my own so i could declare them.
Best thing i did since the 1 years ncb means i now have a 182
Couldn't afford insurance without the bonus, just wish i had started off on my own.
Don't touch Adrian Flux, Tesco were always good for me when i was younger, i've even returned to them.
Word of advise, MAKE SURE you make it clear to Morethan that you are just enquiring as if you tell them you're going ahead with it they'll sting you more i'd have thought.
ive been getting lot of qoutes for about £1,450 it's alot but that is everything declared and in my own name so im going to cancel my insurance and pay for a full year get no claims as well so when im 21 i can get a 182 cup