this topic is basically useless unless everyone is posting there age, gender, driving record, location, mods on the policy, where the car is kept etc... you guys bag NRMA alot, i have full comp insurance with them with all my mods listed and agreed value for $880 a year with std $500 excess and $400 for under 25's thats with hire car, windscreen and NCB protection.. there are so many things that are going to effect this, i got a quote from shannons they wanted $1600 agreed value was less then NRMA and without all the optional cover...and they couldn't understand why i didn't want the policy.....