I spoke to Shannon's 26 rating 1 no claims fines etc they were 1k more than JCI!
JCI tried to put my premium up $250-300 at renewal I rang and said get stuffed I'll go elsewhere so they left it the same rate which I was fine with on my Lexus was $1300p.a no ridiculous excess and 48k agreed value just got my a5 no extra charge and agreed value is even higher so can't complain..