I have mine insured for low K's a year , it made a difference with shannons of nearly 30 bucks a month but you can still drive it whenever you want
when I asked them for any other ways to discount it, they offered up 10% off if you have a valid CAMS licence.. so may have to look into that soon.
damo that list from insure as you go is soooo funny, since when does a pod filter make you more likely to crash or cost them heaps to repair...hahahaha
insurance companies here blow.. in USA you can mod the hell out of any car , as long as you have photos,receipts for mods, and independent valuation done if its over a certain amount on a classic car. they care more about your credit scores,loans on the car,driving records...and they dont fuss when you need to have a claim..