JCI excess is huge and that's why I stay away from them, very risky business begin insured with them. Imagine being unlucky and having couple of accident a month or something like that...You'll have to sell your car just to pay for the excess. I just turned 23 and Im with RACV full comp and paying $1700 and the excess would be $900 (basic $500 + under 25yrs $400. Its still too much money but what can you do when you want to own a 4l turbo car!???! PS: Why did you buy a car that you wont be able to financially support?