I had a 2008 Mini cooper S which i got from a mini dealer when it was only 4 months old it was an Ex Demo. The cooper S had been fitted with the JCW
Aero body kit . Think you all know which one I am talking about side skirts and front and rear bumper. Only thing was the mini dealer had fitted these after they took delivery of the car from the factory. These parts now become a MOD
as they were not fitted at the factory. I informed my insurance as if i did not inform them then my car insurance would have been void in the event of a claim. This then added almost £190.00 per year to my insurance. After about 2 years of paying this insurance I sold the car I can now Insure a Mini JCW
for less per year. So beware but always imform the insurance of anything not factory fitted as you might find yourself with no insurance ...