sorta similar situation, red p's lost my license once already, im now 22 still on my red p's and awaiting a court case to retain it right now, my insurance quote from only insurer that would touch me was $7300, full comp, my car was stolen but thank f**k it was recoverd, intact with minor damage, i now have to pay to get panels repaird etc etc,it helps im a mechanic so i can do all my own work, however for the sake of payin $20k and then having it go missing never to return,its not a nice phone call at 3am when the cops tell you they was just in a pursuit with your car, you have to question if its worth it, as it stood with all the mods done to my car if i never got it back i wouldve lost close to what your gona be spending, im not a fan of driving a shitbox either, just make sure you think very f**king hard about if its worth loosing 20k rather then gaining a skyline. p.s lachlan give the kid a break,