Insurance Companies, Lame Excuses

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I've been told some of the lamest excuses over the last couple of days why an Insurance company won't insure my vehicle.
As a HIA Member( Housing Industry Association) I have my builders Insurance through Vero which is brokered through the HIA, they also offer Commercial vehicle insurance, great I'll get a quote. OK, they wanted to know stuff all and gave me a quote $250 below another. OK, I send and email listing all the factory options it came with(BA MKII One Tonner E Gas,AC,Cruise,ABS,Tow Pack etc) and tell them I had added a Canopy($4500 replacement value) and a tool box.($1100 Replacement value)
They ask how much I paid for it, $8900 unreg, No RWC.
They send me an email now refusing to insure it becuase it was purchased with no RWC and Reg?
I call them and tell them that means Jack, as I had paid a third party for a full RWC and had the Lapsed reg(7 days) transfered into my name and paid 12 months reg on the day, Total outlay $10,300 I bought it at wholesale price through family.
They email me back and say they have refused to cover me because.
1: I have modified the vehicle by putting on a canopy and toolbox!
2: I paid too low a price for the vehicle!

Now, I'm still getting over this, A Building Industry Association that can't cover tradies vehicles! WTF, All tradies have boxes, canopies, roof racks etc MODIFIED VEHICLE????
I did'nt pay enough for the car???
What so if you buy a $5 raffle ticket and win a $65K GT you cant get cover because it was too cheap?
They told me to try "Just Car Ins" because the do modified stuff!
I went to RACV, No problems, Market Value cover $16,500 and all extras are covered. I had quotes though GIO, AMMI and Allianz, all had no problems.
Now, will they still give me tool insurance?, I'm a bit off a risk, I might actually use the tools!
Dave