Got a mate with a modified MkI Escort.
2.1L Pinto, no prob on the insurance, it's modified but they are happy with that, likewise the Type9 5-speed, the lowering kit, the nitrous injection, the 4-linked rear end all ok.
I'm going to put a roll cage in it (for my safety you understand), no sorry sir but you can't do that, it would be classed as a competition car and your policy won't cover you!
Be careful with your modifications and check that you are covered first!