[Cookeh]

Ah yes, because we all live in the same fallacious world as you where insurance premiums are determined solely by modifications, and doesn't even remotely consider such factors as postcode, age, NCB, agreed market value, length of holding a licence, nationality or any other such thing. No no no, the sole reason your premium might be lower than someone with a modified car is because yours is bone stock.

There are several insurers out there geared up specifically for modified cars and no shortage of cases and instances where people have saved money by modifying their car and switching to one such mod-friendly insurer. There is indeed statistics showing that people who modify their cars take a greater deal of pride in them and are therefore more likely to maintain them to a higher standard and are less likely to have incidents in them. I am not saying that every mod will decrease everyone's insurance, but your blanket statement does not hold and is not true.

This "point" that you keep desperately trying to convince of us does not exist outside of your close-minded ignorance and it really would be better for you drop the fallacy and find a more productive way to contribute to the forums (such as continuing your generally good work in the standard faults and killers thread).