So I am thinking of changing my car so have been doing some insurance quotes to weigh up my options. I have a Stage 1 remap and CAI and have been declaring the mods since day 1. I normally get a reasonable price from Chris Knott but for the sake of comparison I used one single comparison site and the only variable I changed was the car: Standard '08 S3 - Â£260 Modded S3 - Â£525 I'm really shocked that I would be paying twice as much for about 40 horses and a bit of noise!!! Not really reasonable IMHO. So, be honest, do you declare your mods?