It'd be worth adding some of sort of small mod.
Thank you for your 4x4 off road insurance enquiry. Our scheme is designed
for 4x4's that are specifically highly modified for off road use and 4x4
club members. Unfortunately we are unable to quote on our current scheme as
the vehicle is not highly modified.
Thanks once again for your enquiry.
^^^ got the above for a disco with the declared mods of "Wider, aggressive mud terrain tyres"