Which mainstream insurers cover minor mods ?
 

Any tips on mainstream insurers who cover minor mods, wheels etc.

Its for a Forester XT with 17" prodrive wheels, and coloured front grill - no engine or performance mods.

I know Admiral won't repair anything not on base model (including sunroof !).

Directline terms say they try to replace equivalent items, but if they cannot source them, they fit manufacturers items.

Anyone recommend mainstream insurers who can cope with minor mods ?