***As mentioned on the main page the cost of insuring a heavily modified XS is not that steep at all! My car is a warm hatch that has been modified, so that the result is a premium for a cheap insurance car with extra added for the modifications. The car from which my engine came is in fact a Group 13 (1 is cheapest, 20 is dearest) and that engine in my XS has a decatted performance exhaust system, induction kit as well as the car being 100kg lighter than the group 13 car and is lowered too! My premium last year from Privilege Insurance was £740 fully comp with protected NCD, this year I was quoted £606 from Adrian Flux as well as several other similarly low quotes. The policy I ended up with only cost £569 fully comprehensive with protected NCD from ATS Insurance, which includes many benefits, mentioned below. I'm only 23 years old, with 5 years (full & protected) No Claims Bonus, no convictions (yet!) and one non-fault accident and live in a medium risk area. This year I have been quoted just £357 fully comprehensive with protected NCD (24 year old with 6 years NCB).***

Here are some telephone numbers for insurance companies I found to be nice to XS owners (of course there are other factors to take into account especially with with regards to your own personal circumstances)

If you think your insurer was particularly good with their quote, please let me know and I shall add them to the table. I made out a list of insurers from Yellow Pages and the backs of car magazines. Surprisingly, many which claim to beat quotes and cover modifications would turn out to be useless in my particular situation. I suspect some companies may be really good with XS owners under 21. If that is you please let me know, especially if you're 17 and have an XS. Please e-mail me the details and I shall add them here.

You may be surprised to know that the insurance group of a standard 205 XS is now only Group 7. I was informed of this by an insurance company due to the fact the insurance premium increases quite a bit from group 7 to 8. This car is listed as 8 in car guides I have looked at. Considering that a 205 GTi is between groups 12 and 15, the AX GT is 9 -11 and a Fiesta XR2 is 10, this means quite a nice difference in premium, if like me, you're under 25.
My previous car was a Fiesta MK2 1.1, which was group 3-5! The difference in performance between in this case, a group 3 car to group 7, was pleasantly impressive.
Compare the quote(s) in the table below to, say, paying over £1000TPFT for a 1.6GTi. In this case why pay so much more in insurance to have a 1.6 GTi rather than an XS? Half of what you pay for is three letters on your boot, asking people to try it out without permission! (though the 1.9GTi is a stormer!)
The quotes in the table below are for an unmodified car (unless otherwise stated). This model can be modified very much the same as a GTi if so desired, performance exhausts, suspension lowering, air filters, front grille, even 14/15" alloys can comfortably fit under the wheel-arches!
 
If you want to know a few insurance tips and cautions including car modifications and also convictions please click here.

Below is a table of insurance premiums paid by XS owners as examples of how cheap 205 XS insurance is... If you would like to submit the insurance details for your XS, please e-mail me and I shall include them here. Many thanks.

INSURANCE AND MODIFICATIONS/CONVICTIONS

PLEASE NOTE: This part of the page is actually about when I insured the XS as standard and is actually a couple of years old now, so I'm not sure of the accuracy of this info now. I left that insurer as they wouldn't allow my engine conversion.

This is a brief summary of costs which would be added to my insurance premium by my current insurer. Please be aware that all insurance companies work differently and are liable to charge various amounts for different modifications. Companies specialising in modified cars are liable to be more understanding of your mods and charge according to situation. With regular companies you may benefit with some mods though others could be out the window from high charges or being disallowed on your policy. Good modified car insurers will give something like a 25% premium increase for most mods within reason.
Whichever, my insurance tips page goes into more detail on the importance of declaring your mods to your insurance company and it is always recommended as you may deeply regret not paying an extra £50 for a simple mod than having the insurance company invalidate your claim after an accident.

This is a list of premium charges with my insurance company (I'm allowed just 2 mods), for indicative purposes only:

Again, even with the convictions, some companies are more suited to your individual perspective, my particular company obviously doesn't think highly of speeding.