another thing for the uninsured, one of the blokes at work had a VL turbo and couldn't get insurance cos he was just 18(maybe insure it in your parents name with you as a second driver),
this car was set alight while parked at a pub or something, cost him $7000 sold for $500 , guy who bought it said he was gunna take a gamble on the gearbox and diff,
so what would happen to you in this case, i've had 3 car fires pesonally with max $400 to repair, my brothers van caught fire with a repair cost in exess of $1000. he was lucky to be at a servo when it caught fire as there was an extinguisher it would have been completely burnt otherwise, he only has 3 party so no fire insurance.
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