Yeah Just Car insurance will do that to ya. I get standard excess, age excess, car excess, wheel excess, additional adjust excess and theft excess on top if it gets stolen. All up my excess is $4k for an at fault claim and $5k if it gets stolen. But all mods are covered, wheels are insured if they get buckled or otherwise and my agreed value is 26k so meh. I'll shop around when I can be bothered.
Oh and Morning mangs.