you guys must live some seriously hrash places , policed used to stop me everyday in old scooby , declared totally standard on insurance , they often check the car over for everything including drugs and weapons cause they must of taught i was a drug dealer, anyway they didn't care i had a bigger turbo on it fmic 3" straight through exhaust , and when my ex girlfriend crash it paid out no problem.
in terms of 200bhp from pd100 , its possible with bigger injector nozzles and better intercooler , no doubt the internals can take that power
Yeh we all live in the real world.
That's fine that they paid out that time. But that's not normal from insurance companies