I have my renewal on the Marea coming up so got myself a quote from Greenlight, all mods declared for the conversion, valued at £6000 TPFT i was quoted £922 for the year, no problems there then!

curiousity got the better of me and i've just ran a quote through confused.com for a Coupe 20VT (i used the numberplate for the one i actually used for the conversion).
Valued at £1500, no modifications for TPFT the cheapest quote was £1118.70!
shocking! but pleasing at the same time

goes to show its certainly not down to vehicle modifications.
Ry