Mate, it is totally down to YOU and YOUR INSURANCE COMPANY.
whatever you can get out of them.
My mate has an R-33 n/a. He pays almost $2000 a year full comprehensive. It was about $400 more per year for a turbo R33. This premium is because he has had an accident previously. He is only 19, and still on his P's. Dont ask me how he affords that insurance.
Talk to just cars, or shannons. I have heard they are the better ones to speak to regarding imports/performance cars/young drivers...