man some of you guys are payin way too much for insurance eh, jesus christ, 2000 plus excess is horsesh*t!! even 1000... seriously, shop shop shop and shop around some more eh, like i said b4, my excess is only $250, thats it, and thats for a R34 2 door...
As for mods, they not too picky about what mods you have, when my 33 was written off(thanks to the f*$ker that pulled out in front of me) i had illegal gauges, front mount, bov, turbo timer, boost controller, hid's, massive exhaust you know the whole shabang, they didnt even care... the only thing they told me this time was that i cant have boost controller, big no no to them, but in the end, if its a write off i dont think they give too much of a damn eh!! just tell em its as close to stock as possable... easy as!!