I suspect in the case of the claim you mentioned above that it was all done through the insurance company of the 'old woman' and that your (or your Fathers insurance) were not involved.The mods on the car should'nt affect me that much I think, the car is on my dad's name (Cheaper insurance), so his will go up? not to sure, Il ask him.
On the first month on having this car, some old women went straight into the side of this car, and everything was sorted within a week.
The issue will come up if you try to claim on your insurance.
If it can also be proved that you are the main driver then you will not be insured. Putting it in your Fathers name to get cheaper insurance is a big risk for you both. This can only be done if you are not the main driver of the vehicle. If you are the main driver you must have your own insurance.
What you are doing is trying to cheat the insurers out of the money they are due for taking on the risk of you as a driver. If they find out (which they can do) that your drive the Civic the most, then you will not be insured.
You need to make sure that :-
1. The insurer is aware that you have made mods to the car, list everything that has been changed or added.
2. Make sure that the value of the vehicle stated to the insurer covers the full cost of the car and ALL the extras.
3. Make sure that the insurer knows that you are the primary driver (if you are).
Once you tell them all that they will either
Raise the premium to cover the additional risk and therefore showing that you would not have been covered if you had made a claim.
Leave the premium as is and provide the cover requested (unlikely)