66 yo. Rural Sussex. Parked in private car park. 0 NCD. Protected NCD. Drive other cars TPFT. Total excess £150. £460.
Second car, so had to start again from scratch - hence 0 NCD. Have 9 years and 75% protected on other policy.
Through broker Adrian Flux, placed with underwriters Ageus who are OK with mods.
Not planning on any major mods but prepared to pay extra to be able, hassle free, with no extra charges, to swap off run-flats, Milltek, cold air intake. The underwriter says they are cool with 'mods up to 300 bhp'. Not where I want to go!! But interesting.