Club 4x4 Insurance. Anyone used them?

[the evil twin]

I don't think I would be wrong to assume that the premium would go down as I get older too... 25 seems to be an age bridge for most insurers.

Yes, that is true.

The only fly in the ointment is I don't really see how this mob can operate on the prices on offer ATM unless they are very selective on their clients
If DGA write off 3 "Winnie equivalent" GQ's they are out $45K, Club 4X4 are out $108K
That means they have to collect an extra $60K roughly in premiums or have only 1/3rd the number of write offs per insured compared to the other insurers.
Sure it's doable, thats how Shannons work, but Shannons are very choosy.

Anyhoooow, grab it while it is on offer, I know I'll do the same in 6 months or so when my insurance is due if Shannons aren't competitive in the same pricing