I'm with youi.
Mods are covered by insurance and it works out to be $200 cheaper than any of the other ones who would insure me.
RACQ/NRMA/Suncorp wouldn't touch me becaue i had an upgraded air intake, even though they were okay with the ecu upgrade.
I haven't read the whole thread, but i'm with Youi... this is the second year.
When I changed to them I rang about 8 companies and checked the fine details. Couldn't fault Youi's offering. Price did rise a bit between years 1 & 2, but so had all insurers.
I saved around 180 by going to Youi. Strangely, they were a lot dearer on my wife's XR5, which Suncorp are cheapest for.
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