i know a lad who had a colt cyborg-ZR insured as a 1.3, he had it for like a year and a half and never got any bother, took off like a gunt from a set of traffic lights one day, acting the feck and showing off to the car next to him, 2 unmarked squad cars were behind him, took the car off him and banned him. another lad i know has a glanza turbo insured as just a 1.3 glanza, shits himself ever time he is at a checkpoint, and nearly got done for racing a daihatsu mira turbo.