had the same problems with my focus, they gave me a quote I explained the modifications, I had to explain it 5 or 6 times because they couldent understand a word of what I was saying and she said the cover note was on its way, I thaught it was far too cheap, then to mu un-surprise "no modifications"
I had already been driving for a week!, I rang them , insisted on speaking to an English person, to which I was called racist. I eventually got through to someone english and she added the mods free of charge and apologised! Result in the end, but I will never go with Norwich union ever again!