Hi Adrian
Was talking about this eirlier on anouther subject I have had exactly the same dilemer. I paid £6500 for my 1990 what wasa 110 county Turbo. Its had a 200TDI fitted all new doors complete re spray, new windows, new window seals, new bumbers, all lights new, new bullbar,well it goes on and on and on stands me in at around £13500 at the mo with anouther £4000 to spend on it. Yet god forbid if anything was to happon the book price would have been carp. I went with MCE ( 0870 4202914) at around £280 odd a year for me (only had a licence 5 years as well) 5 years NCB unlimited milage and my partner fully comp with lots of modifications upgrades and have a garanteed payout of £10,000 now Adrian Flux would have insured me for around the same but without a garanteed payout BUT thay do cover all you boys toys bolt on modifications so...cheequer plate, bull bars, raceing sterring wheels, steering guards, gas shocks, expensive roof racks, etc etc etc The only reason I didnt go with them is my new doors and re spray job wouldnt have been coverd but if you dont have anything like that thay would prob be your best bet to cover all your Bolt ons modifications hope that helps.....
Paul