Yeah, been there, done that and 6 months after the policy was approved, modifications added, the renewal didn't appear. Quick ring to NRMA, "Sorry Policy cancelled due to non-standard" This is a V8 VP Ute. Suncorp, GIO, AAMI wouldn't touch it either..... Ended up with Vigil and Torque... Actually , Torque were very good, underwritten by Lumley and were very good. Vigil had the problem of being underwritten by QBE. QBE take months and months and months to pay out a claim no matter who is at fault, no what their policies say Took me over 5 months to get my ute back on the road after a claim with Vigil... 4.5 months of getting them to approve the claim, 2 weeks for repairs..