Yeah, been thinking the same Ally, so would like to know what people do. I've got a pretty good quote from Bell and have selected Mini Cooper "Chilli" from their drop-down list. I've got a couple of extra things on the car like anthracite roof lining and 17" flame spoke alloys, but they are not really "modifications" - they are simply additional factory-built options.

My Lotus is currently insured with Chris Knott, but they couldn't give me a good quote for the new Mini, even with the NMS discount. Would have liked to stay with them, but Bell is a good bit cheaper.

Might call Bell today and ask about the "modifications". Will let you know what they say Ally.