I went through Shannons and first few years I was around 1200 full comp agreed value at 13K, all mods and stereo included (about $3000). choice of repairer. I'm a level 1, 65% no claim.
2 more year and apparently i get a life time rating 1, so some one told me if you stay for 6 years.
when i turn 25, im 26 now I pay $680 full comp and all the rest