I gave shannons a call yesterday . All mod . Agreed value for an 06 $40g $2000 per year and excess $500 Just cars. All mods $46g , $1445 a year $5 excess Im waiting to see how much my value drops this year with JUST CARS migth go with shannons this year Worst bit with shannon u have to do a test saying that u r a motoring enthusiast. But just having a car u love is not good enough. So u need to do your own work on the car, be in a car club an so on.