im pretty happy with adrian flux, they have bin cheapest for me last two years. They still half price of other companies that cover modified cars!
Got price of £450 with 2yrs NCB. Only on 1.8 focus, but all mods are covered (and got no increase for gettin cams/pulleys/bigger TB) as well!
They ad some power but at the price i was quoted im well happy. Only got £250 excess as well