My re newal has just come in from admiral, ok i have two cars but my Landy is a 98 300TDI 90 Hard top, with winch, winch bumper,tree sliders, snorkal, dog gaurd, steering gaurd,diff gaurd, tank gaurd, Roof bars, Interior panneling,a seat fitted in the rear, Roof bar+ lights and a rear light, work also chequor plate as well . I insure it for 8 K miles fully comp with full business use it it is only £380,
Ok they dont replace like for like on the modification's they repair with standard parts, But if an accident isnt your fault you lawyer will recover any losses, And if it is your fault as long as it itsnt a cat A or B write of you can remove your modifications.
I find them the cheapest as i have been unlucky enough to be involved in a few accidentd, non fault of course but that doesnt make much difference to them