i don't know about you FM, but im a rating 1 2nd driver with racv, talked to just cars , they request prove or statement from racv which shows that im a rating 1.. rang racv, advise just cars needs the prove , racv sends prove to just cars.. rang just car and ask if racv has send prove.. just cars said ok kewl, we insure you as rating one.. will cost $1800.. im over 25... workls 100% for me