man or THAT premium i'd just insure for 3rd party and risk your own property (car) as your premium is like 1/3rd of the total value of the car !!!!!

and doesnt matter if you're an angel or the devil, if you're under 25, bend over and prepare to take it..

Just car is the only place that touches modified cars and young dudes but they offset the risk with sky-high premiums.. but it's THAT or NOTHING till u hit 25 then u can talk to SHANNONS who are very good with mods etc. but personally not impressed with them now i';ve had to make a hail-storm damage claim "choice of repairer" my ass !! unless they mean THEIR choice ie. the cheapest fkn useless quote they can dogilly dig-up !! and dont get me started on "Agreed" value.. my agreed value somehow dropped by almost 30% from last year to this year - i didnt fkn "AGREE" to that !! but my del sol's "AGREED" value stayed the same.. go figure..

remember an insurance company is only as good as when you make a claim !!