Just cars annual $1,345 Amount Covered: $28,000 Excesses These are the excesses you must contribute to each claim: Standard $450 Plus Vehicle $800 If applicable, you may also need to pay one or more of the following excesses in addition to the excesses listed above. Age Excesses Female Drivers Aged 16 - 22 $600 Female Drivers Aged 23 - 24 $500 Male Drivers Aged 16 - 22 $650 Male Drivers Aged 23 - 24 $550 Accessory Excess (In-Car Sound And Entertainment System) $600 Accessory Excess (Wheels And Tyres (Optional / After Market)) $400 I would rather be going with racv but modifications ruin that... and shannons, aami, cgu, allianz won't do it coz I'm under 25