Lowering was nothing as included in allowed mods, I have 102 Revo remap and I think my insurance went up by ~£80 but worth it.
I'm with Adrian Flux, only thing that REALLY annoys me with AF are not the rates but every year I have to take photos and fill in an agreed valuation form which they charge me for. It's the same as last year, it's not like I have removed the conversion.