So I'm shopping around for comprehensive car insurance because my current insurer wants $1700 for $30000 VE which seem a bit steep, so I get an on-line quote from NRMA for the same value and it comes to $1090, much cheaper but there on-line quoting system doesn't ask about about mods to the car, I read through the PDS and there is also nothing about mods so I rang them and the girl assures me as long as the mods are legal the cars covered to the agreed value ,Hmmmm, its a good price but it seems to good to be true, anyone else had a claim with NRMA under this system and how did it go?