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Or you could change to a non mainstream insurance company, i also have a 1.4 clio (dynamique) and my previous insurance company (Zurich) refused to insure me when i mentioned plans to lower my car and put larger wheels on it, i`ve since changed to another company who are kept the premium the same as previous company, and didnt add on any extra when i told them of modifications ( and even went on to say that if i were to add an exhaust system it wouldn`t change the premium)