| Chilli pack certainly does effect the insurance. It moved mine by £112 upwards. Norwich union list the Chilli as: Replacment seat, sports suspension and non manufacture alloys. Despite my best efforts to explain that the sport suspension was standard and the alloys were MINI, they were having non of it.
Try upping your voluntry excess, or adding your wife as a named driver. The wife with her squeeky clean record saved me about £100 and upping the excess to £500 saved me a further £60.
The best was Norwich union at £540 for my circumstances, and they are doing a £20 cash back deal on top of that. | 
