Its been said go with GREENLIGHT INSURANCE, They are without doubt the friendliest and helpful and not to mention cheapest i found for the LC around, They do not mind modifications and wont charge extra, and also offer a like for like replacment process, for example you smash into a curb ruin a 18" OZ Superleggra, Trash your tasty coilover suspension and warp your nice new Tarox brakes eeeeeeeeeeeeek they will replace with what you had! Cheers Now!
Jim
Jim