Thanks for the advice guys.
The decision has unfortunately already been made for me anyway. I was driving my girlfriends MGTF 160 on Friday when I was front-ended by 'white van man' down a single track road. The MG stopped dead in no time at all but the van just slid along the road and straight into the front of the car.
Girlfriend ain't happy...oh boy is she not happy. She hadn't put me down as a named driver so we have to get the money from the other guys insurance.... bugger!
It looks like I will be counting the pennies for the next couple of months, so the mods will have to wait. How much do chocolates and flowers for the next...oh....three years cost? :Cry1: