+2.. you even have to declare body kits whick I suppose slow your car down more than anything.
Dont get me wrong, i want to do it all legally and correctly, just things like adding my father as an additional driver lowers costs and obviously doesnt void my insurance either.
Spoke to my companys insurance broker the other day about not declaring mods etc and he said that if i bumped into a bollard in sainsburys then they would probably pay the repair money no questions asked. Its when it all goes really tits up and you hit another car or even a person, the insurance would be void and you would probably end up in prison or something. At the end of the day, i dont think anyone with half a brain would want to take that risk for the sake of a few quid.
A few tips have been really helpful actually, i've dropped the insurance down to about £4000 now.
Will do a post when it is all sorted summarising the tips and advice people have given me so far - will hopefully be usefull!
Again, thanks for all the help!