welcome to sax-p mate,,have a look at peoples threads and get ideas thas te best idea to do,,with the insurance,,just ring up and they will let you know,,if there is any movement in price it wont be alot,,ive just turned 18 and ive just put my alloys on bout 2 weeks ago and it does tranform the car but need to sort the insurance out and let them know,,ive done a few bits to it but like in your case it was standard and many more to come for sure..
my threads below mate,,have a look and see what you think,
http://www.saxperience.com/forum/sho...d.php?t=233763
good luck with the car mate,,need anything just PM me or majority of the problems/mods have already been posted anyway by other users.
Mc