i know what you mean mate im 22 and ive got 0 no claims etc and an accident to my mane but mini- got you covered who are one of the sponsors on here offered me a good deal when i whnat my sound kit and works suspension fitted - im not currenlty with them as the cars on the comanys fleet cover but they hate mods of any knid so for what i pay now £1200 ish i can change and have works suspesion and sound kit for the same price fully comp