Yeah mate it's a nightmare with mods, see my post, Barclays, virgin etc.
Quinn's the best for me as they charge no extra for mods, unless you increase the power of the car. £1100 fully comp for me, 18, 1 yrs ncb, decent postcode on a 1.4sport. Thats lowered with turinis, side skirts and colour coded. Cheap excess aswel. bout £150 IIRC.