Fark there is a big difference between 18 and 19 yo's... mine was for an 11,000 sale price(would only cover for 10,000) and it was ~1800 a year... what the? maybe its cos i'd had my license for nearly 2 years already - with no claim bonus', clean histry n shit... what you guys reckon? and thats with minor mods - intercooler, non-existent stereo, bov, air filter etc...