TBH mate i wudnt waste 2k of my money on insurance ever, id just do woteva i could to bring it down, go third party fire and theft instead of fully comp if you can, raise the excess, add an experienced driver if you can, also i did my pass pluss after my test and when i told my insurance company they refunded me like 400 quid so well worth doing. And as for the mods, obviosly i don't no ur situation whether your parents are telling you that you must declare them or not but itd b a damsite less expensive if you didnt. But then as with everything ive sed here you will not benifit if you are in an accident but its whether saving money is mre important to you untill you get some no claims and more money etc or protecting yourself in the event of an accident. Hope this helps neway mate and gud luck however you play it.