I know of a guy who put a 3.5 V8 in a 1.8 sierra and it cost 1250 to insure, when he put the same motor into the same shape sierra cosworth it was going to cost him 3500 for basically the same car but because it was a cossy to start with they made the premium more???? Im 24 with a claim 3 days before i insured my 2.0 16v bodied mk2 fiesta and Adrian flux quoted me 800 plus i told them everything and i mean everything! I was well impressed and this year it went down to 650