I will have a garage next year so that's an option then.
Went with RACV, I had to "tweak" my policy a few times. "Thebuzz" insurance was an option, and $40 / year cheaper, but there is a little surface rust on the car and that means they won't cover it. Any surface rust larger than a 20cent piece means 3rd party cover. And this year of falcon they didn't paint the engine blocks
RACV did:
10,000 agreed value $X
10,500 agreed value, same as above
11,000 agreed value, +$13
11,750 agreed value, +$13 (same as above)
11,800 agreed value, +40 (or more, hit the threshold!)
The interesting thing with RACV is they have no interest in your modifications. As long as the car is roadworthy your covered.
EDIT: I should mention I get a 5% loyalty discount (10% next year) off insurance