Talked to a girl from NRMA, VERY helpful she was amazed how bad RACQ was. My monthly feel is an extra $30 but that's nothing when it includes a LOWER exess, windscreen protection (which RACQ won't cover because it's a "unique vehicle"), agreed value of 26k, unlimited mods and if i swap insurer before i turn 21 in Sept i get free "free2go" i didn't fully understand that but i will look into it later.
Thanks for suggesting NRMA Sheldon, will transfer it in a month or so.