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Seen this in my local dealer... FF 08 reg 25,000k cup pack glacier white stereo upgrade auto lights and wipers Asking price was £12,495 about 4 months ago but its come down to £12,295 Dealer offering £12,000 inc 1 year tax. Your thoughts?

Hi everyone, long time lurker, first time poster! Am giving serious consideration to joining the 197 club but before I do I've got a few questions about insurance. If its not a stupid question, for the purposes of insurance, what counts as a modification? I'm 27 and looking at a FF...