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Suppose it depends if you're willing to lose a bunch of money if you have an at fault incident or can't identify the other party. Me, I wouldn't drop back to TPP insurance but that's just me, my risk tolerance ain't that high.
Option 3 is just to increase the agreed value, Shannons can be flexible. My MY10.5 is insured for $19,500 and it's unmodified (at least as far as Shannons know, it has non-run flat tyres and an aftermarket charge pipe but I wouldn't consider those mods).
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