If you have no points and no claims, go with Liverpool Victoria, they will be cheaper than anywhere else.
I'm paying around £2600 a year for mine atm and I'm 21 and no mods declared.
I've ran out of paper and patience phoning up and on the internet getting extortionate quotes often more than £4000 - WHY?!?!
Having a car thats group 13/14 and no no claims doesnt help me though.
Anyway, in terms of mods, nothing tacky.
LED interior lights, tint windows, nice set of dials, decent stereo and decent speakers
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- The Northwest's Biggest forum of Modified Car Enthusiasts.