I’ve ordered a new car for the end of September. It is a Mini Cooper with a sport body, Sat Nav and a bunch of other things. Some insurers are asking how the car has been modified, and one insurer went as far as to ask for individual components in the various packs I have. As such, my insurance rocketed from £500-£550 to £800+. I’ve asked on mini forums what the situation is, and they’ve suggested that the car hasn’t been modified because it’s a new build with those specifications. What gives? Who is right? Have you been asked to breakdown everything that’s part of V your car?