I am posting this as my car a E320 AVG which as new was supplied with a AMG Bodykit and 18inch AMG alloys. No mods to the engine, exhaust etc. My problem is that some insurance companys will not cover me and some quote silly prices over £1000 with 8 yrs no claims etc. What is the meaning of Modications as these items were suppiled by Mercedes prior to registation. FACTORY OPTIONS Other companies do quote but you don t get the feeling that they have checked with underwriters as to whether the kit and wheels are covered. Has anyone had a similiar experience or is this just another case of us being ripped off by insurance companys. I call everywhere and got it from a local branch for £650 but I could have paid nearly double.