I currently have my SW20 turbo insured with Just car for third party + fire/theft
i'm about to take that up to comprehensive with shannons.
at the time, i couldn't afford the comprehensive insurance, and shannons didn't offer fire/theft with third party.
at $1200 for my modified SW turbo, i'm not going to get much better (particularly at the age of 21)
they're covering me for the hiflowed turbo, coilovers, and all the other bits and pieces.
if you actually bother reading all the fine print, you may notice a few pleasant surprises.
for example, shannons cover racing with only a 400-500 excess on top of normal. peace of mind.
also, if its written off, they let you keep the wreck as well as paying out the agreed value.
cover for defensive driving courses, and good service.