well it was that time of the year again for me.
After taking my car back to stock I was still quoted $1275 from Just Cars with their stupidly high excesses.
AAMI was WORSE at $1550 and didn't get much more satisfaction from the other major insurers either.
I chose to go with REAL car insurance (the ones with the add where they refund 10% of your premiums after 3 years continued coverage) Full Comprehensive for $20,000 with Wheels $1600, locknuts, Rear skirt, tinted windows, metallic paint and alarm all covered for... ~$800. I was stoked... and the excess is $500 if I'm at fault in a claim.
The only poor point I could see was that their quoted market value was $17,500, so I opted for agreed value. I also got excess free windscreen replacement cover.