My Mrs insurance went up £150 this year as some one hit HER last year, the excuse was "A person who was in a road traffic incident regardless of who was at fault is likely to be involved in another incident within 12 months" and most insurers go with this BS now
Right Frank Pickles only insures modified cars, so bigger tyres, suspension lift, body lift, snorkel, extra lights ect all count, best to have two or three mods, you also get a discount for being a FOG member.
Remember though they do not take into consideration any NCD or give NCD, as they expect your car to be your second car, officially

, you can also save money with them by limiting your mileage

Mine was £160 fully comp, with a Liverpool postcode
