Sorry, I was too lazy to make a proper reply. Most insurance companies will tell you they won't insure you overnight unless you are 500m or more away from the garage location. They won't cover you if you don't have a proper alarm etc.. and they definatly won't cover you if you are under the influence of alcohol and drugs or breaking any laws. It covers there arse.
I have been quoted through GIO but they wouldn't cover me for more then 9k but there policy was the cheapest ($1200) or something like that. Famous have done the best deal besides Shannons and I can't change to Shannons at the moment as we have a communal garage.. and they know my every move *hides*