Opening times I will check but never had a problem getting through to the, Excess low, courtesy car is included. Mods, from the brief call I had with them on fri it was an additional £45 for the exhaust. Will check what else they can insure but I wont be doing anything else to the car (famous last words?), my hand was forced with the exhaust as its cheaper to go aftermarket. Only the one car and one motorbike so carrying over isnt a prob.