Well I ended up locking in RACV, got it at agreed value of 77k and its I think $1220 with a $550 excess. I made it 77k cos I told them I'd get an exhaust and a few other mods which would bump up the price.
I love their stance on mods now!! - "If vicroads says it's legal, we don't mind" Thats so good considering a few years ago most insurance companies refused insuring you if you polished your exhaust tip too much lol
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