Well I had been following this thread for a bit and thought I could not afford full comp, silly me.
I was with just cars for full comp but couldnt afford it this year so dropped back to fire and theft, now in the past couple days saw this thread and started actually calling up places and getting quotes, this and read that the theft is only covered up to and including $5000 with just cars, WTF!?!?!?
Anyway now happily with Suncorp, pay by the month, market value for damage and theft, although i didnt go the $300 more for the windscreen and car hire thing.
Thanks people!