looking through lots of posts trying to get an idea of how insurance companies rate when making a claim. Sure, up front cost is an issue, but it's when you make a claim that the real value in the policy is delivered. Tell us which company you have made a claim through and how they did? BTW I'm with Swann in WA (Not sure but the state you live in may? impact on how your claim is dealt with??). Looking at changing to Western QBE, but their monthly premuim is 1-tenth of annual - a 17% loading to pay monthly.