Regarding modifications and insurance my friend ordered a new car and chose 19″ wheels, an upgraded stereo, massage leather seats, nothing you would class as modifications but his insurance have said recently when he asked about getting a full stainless steel exhaust system that comes with a lifetime guarantee that he would have to pay an extra £400 as it would put him over their limit for modifications, when he said he hadn’t done anything else to the car they listed the factory options he chose, absolutely ridiculous if you ask me!