depends how long youve been driving???!!! most insurance companys wont insure you if you put a bodykit on. this could be anything from a spoiler to side skirts to be classed as a bodykit. if you havent already accrued the all important 1 years NCB then theres no hope im afraid. youll have a big premium and unless you can afford it youll probably be paying more in insurance than the cars worth!? dont mean to be a bummer an all but thats the way it goes. im 26 and only been driving for 5 yrs and i pay close to £400 on a 2.0 zetec-s. its the modifications that cripple your wallet!!