I'm with Quinn. 22 (at the time) with no no claims (been named driver on dad's policy for 5 years, so they gave me credit for that) and am £600 ish FC. But no mods declared.......

Can I start to ring them, say on a monthly basis and say I've just bought some wheels, I've had it lowered, etc. I appreciate the premium will increase, but id does worry me its down as standard, when its blatantly not!