dylan - the MR2 is my 2nd vehicle (weekend), I ride a motorbike for a daily all year round. So its garaged 90% of the time. I think I'll give NRMA a call then, I'm only paying by the month though, so I can cancel Just cars if need be.
MANDALAY - I'm over 25, considering most people make a claim on ave what, every 10 years? (hopefully I wont have to!) and I can appreciate the savings. Most crash repairers are the same to me and I dont trust most of them anyway from my experience so i only care that it gets fixed.
Scott - I told the guy I only drive it on weekends and he said "so you ride your bike rain hail or shine to work?" and I said "yes, I've got plenty of gear". BUT He still put me down as 'Private Use' and 'Regular use' so "limited" must be very limited then.