I often have to scratch my head when it comes to insurance quotes - it seems we have all used or tried to use the same few companies (for classic policies) in the past and all have different experiences.
Supposedly quotes differ for postcode location, where the car is parked, driver age etc but feedback suggests modifications are often declined – I don’t understand why !
Im currently insured with Footman James via a local broker called Flint.
I paid just over 200 sheets fully comp - with all mods declared.
People have said they don’t insure mods so i called up to check - id filled out a declaration form and submitted it and they acknowledged the mods and said they were covered.
Strange when other people call up and they refuse outright due to the vehicle being modified.
I won’t complain but it is strange how its one rule for one and different for others