hmm, u right when u say u must have 3rd party, its just common sense, but the thing is sometimes it aint much difference.
my mate wanted a 33 or 32, and th full comp for him with no rating was like 5-6k, but the 3rd party was still a few k aswell..it sucks but if u want these cars u gota pay it....
and 3rd party wont cover u for any reason....if someone smacks ya car up and cant pay ya pretty much screwed..insurance wont pay for u, thats why they have full comp....
and ya right about the max coverage, i think the max is 5k, so if ya car is stolen and worth 20k u get f***ed on, just gotta get full comp, its the only (kinda) safe way..
id be intereted to know about thos tracking systems too, i mean 2k is worth paying if it is in fact a mad system but if u gotta consider underground not workin etc its a total waste of money