Direct Line is NOT the place to be with a truck like that. They are looking for solid, middle-class reliable business and will whack anyone/anything that isn't.
Adrian Flux would probably do a better deal than that frankly....all that 'mod' stuff is bollox. But (i) the fact it is an import doesn't help, and (ii) even though the accident wasn't her fault, as I've said before, the insurance companies automatically stick your risk up so your base premium increases, even if your percentage NCD remains the same.