Originally Posted by Patch

I had RAC cancel on me even before I hit P's because the value of the mods on the car exceeded the value of the car itself. Had the car listed for $7500 & mods then were about $10k (Brakes + labour, suspension + labour, Wheels & tyres, stereo, etc etc.). Was still in my parents' name.

I'd be tempted to say save what you'd spend on comprehensive & just get 3rd party, fire, and theft. 3 years of saving and you'd have $7-9k cash in the bank - much more useful than being told your excess is $660 for windscreen replacement when glass is $440 or having to pay $2k just to have your car assessed.