If you do it online you can add mods, but I couldn't add all mine as there wasn't any provision for some of them, so I added a few to gauge an idea of price (I hate talking on the phone too) and I think it came back at £580, then got a message saying that I will get it cheaper if I ring up, so I did and listed all mods and got it cheaper, well worth doing, I got a really happy fella when I rang back to actually buy the insurance, not the scary lady lol