There really is only those two in general for imports at all. Id never adjust the excess cuz I knew the moment I.did I'd have to make a claim knowing my luck
This. People praising JCI obviously haven't had to make a claim. They make every step of the process drawn out and painful and you have to argue for every little crumb they will give you. Shannons for me was cheaper and better peace of mind, that said I'm almost 24 now so my 3 speeding fines and an at fault claim didn't ruffle them.