AAMI, Apia, Bingle, CIL, GIO, Insure my ride, Just car, Resilium, Shannons, Suncorp & Vero are all owned and underwritten by Suncorp Insurance. All have very different PDS and entitle you to different things when making a claim. It may be worth checking these before comparing a low $500 excess & premium to others. As when it comes to making a claim, I believe preferred repairer, genuine parts, hire car option all matter for the sake of $100-200 a year. I know I have peace of mind knowing that my pride and joy want be heading over to the local sausage factory for repairs.