I just turned 25 last october. i have a milage limit of 6000 an excess of 250.
all mods are declared.
cat 2 imobiliser fitted.
thats tpf&t.
It might be your postcode that causes the problem.
I live in quite a good area. (dont take that the wrong way).
They said if the power was to rise more than 50% over standard the policy will be reviewed.
the engine they based this on was a 130 zetec engine. that gives me nearly 200bhp(i think) to play with legally.