Fender Extender, Scottoiler and R&Gs (crash bungs). If you get the R&Gs second hand, you'll also have the money for a double bubble screen, which if you're reasonably tall, is a good comfort improvement, as well as improving the looks.
Edit: Oh and non of these mods is likely to effect your insurance costs apart from a £20 or so "admin fee" when you first declare them (unless you do so at the time of policy renewal).
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