One thing their excess doesn't cover hitting a Kangaroo at night. Thats the same with all of them I think. I usually pay for the $0 excess less things to worry about. They still had a VF there last time I got one that was in early Feb. They had 4wds their and I think the one my work colleague had was a Pajero or Prado cant remember id get one of those for the Snow dont usually have to worry abput out chains etc.