There's an awful lot of moaning about insurance prices. I've said it before - while insurance is a legal requirement for drivers, it's not provided by charities, or the government or some bottomless pit of money that's quite happy to just give it away.
Insurance companies are businesses, and are run as such. They are insuring high value items - take a car at £15K brand new replacement value. It's not exactly a premium car, but it's a fact that on many policies if it's written off in year 1 then the insurance company will pay out £15K and only received a fraction of that as the premium.
Insurance is a risk-based business, and they are entitled to make money on the back of their risk.
And no, having no previous claims doesn't automatically make you a better driver, but it does make you less of a risk. Adding mods to your car firstly increases the cost of repairs etc as has already been said but it also immediately places you in a category of driver who statistically are more likely to have accidents than Miss Daisy who drives her Nissan Micra once every 6 months - so the cost does and should go up.
It's simple - if you aren't willing to pay the premium, get a different car or don't mod it. Mozes-cuz - the fact that you asked your insurance company about mods, then didn't declare them but still had them fitted it just asking for trouble. If you wrote your car off, your assessor will probably have that information and will check the car to see if they've been installed. Bingo - no insurance.
Lots of insurance companies are good samaritans in that instance and will at least pay the third party part of your claim - but they don't have to be, which means that Jo Bloggs who was also involved in the accident then has to claim on their own insurance even if it was your fault, pushing up their own prices for no reason at all.
More generally - I don't see why so may young drivers think they are entitled to drive smart, often modified cars and yet not get stung on the insurance front - it really is simple statistics and economics to me.
I'm 30, no fault claims, I drive a reasonably powerful car, am insured for business use at 22,000 miles a year and live in a less-than-ideal urban postcode. I pay £800 a year.
I understand that this means I am going to pay more than my 65 year old father who drives almost the same type of car but does 5,000 miles a year and lives in an affluent rural postcode. He pays £280 or thereabouts.