Brear Daines

Question: Car mods and insurance premiums?

Hi, I'll give quite a bit of background first. I'm an 18 year old guy and I've been driving a 1.2 clio for about a year and a half now. Paying 1600 (CHEAP & completely clean license) my next insurance premium is around the 600 mark. I'd like to upgrade my car to either a 1.6-2.0L MK2 or a MK4 golf,(1100-ish annually) BUT I'd like to make modifications to it. Body rather then performance. Does it make a difference in the premium inevitably raising if I first insure the car, drive for a few months THEN modify and contact insurance, rather then, buying, modifying and insuring it before I've driven it? Hopefully that makes sense to anyone reading it. Thanks.

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