I'm also with Shannons. I had the van on "laid up" insurance for $15,000.00 while I was building it then converted it to full comp when I got rego. I think "laid up" was only about $110.00 per year. They insured it for $28,000.00 and the premium only went up by $20.00-$30.00 per year but as a "limited use" vehicle. Thats Ok as I only drive it on weekends anyway. I also get a discount for multiple cars because I have the Chev and the hot rod insured with them as well as my house and contents. The thing I like with Shannons is I have wreck retention rights so, if something does happen, at least I get to keep my cars.