I decided if Im going to keep the Clio a little longer then the exhaust has to stay too. I couldnt live with it being so quiet without it.
Ive called around 10 insurance companies with me finally settling with Tesco who have charged me £912.45 with a £350 XS. This is everything including protected no claims bonus. The woman I just spoke to asked a great question about the exhaust. First she asked if it increased performance, to which I replied "not that Im aware of", she then said "does it increase performance or just noise" lol I said its just a better quality item than the Renault one.
Anyway, at least thats all sorted for another 12 months.
Lee