LOL, I dont think anyone ever plans to crash. If we didnt plan to crash, we wouldnt need insurance, right? Sometimes accidents happen, and the last thing you want is some $1-2k excess which just makes you feel worse.
Anyway, Im with Shannons:
27yo, rating one for life, no speeding fines in the last 5 years and my premium is ~1000 a year from memory for R33 GTS-t with mods. Excess is only $400 and have choice of repairer and first right to wreck in worst case scenario.