see im 19 2 years with a license and 1 years no claims, no convictions speeding tickets etc (just did a year with mum) and my first year on the
ibiza was 1485 with brentacre(i am owner and ONLY driver on this policy). This includes every mod you can imagine done on the pd130 apart from a remap and big power gains e.g. turbo. I can get her running 250bhp insured but i just have to pay the premium, which they work out for example 10bhp = 100 pounds, depending how far your into your policy. (note this is just an example).
But anything like exhaust, coilovers, fmic, arbs, struts, inductions, all free of charge woop.