Hey fellas, As you know - I have horrible luck when it comes to riding. In the period of 6 months my bike has been hit 3 times. Only one of those times was I actually moving, and only 2/3 times was I even on the bikes. All 3 accidents were not at fault and the negligence of the other party. However, lately I've been trying to track down other insurers who will cover my gear as at the moment AAMI will only cover me for a maximum of $1000 in gear IF I take out a home and contents insurance policy of $200. This would be okay if it weren't for the fact my gear totals close to $1800. My issue is that lately I've either been receiving ridiculously high quotes or being denied insurance all together. When asked why, it is due to the high number of claims I've had even though they were all not at fault! Personally I don't see luck as something that should be considered when calculating insurance but that's the message I'm getting at the moment. I don't understand. If I continue my policy with AAMI these accidents will not effect my rating or premium, if I cancel and look around they will. To further this, if not at fault claims do effect insurance then this would suggest that in some way I contributed to the accident - which would then suggest that in truth I was in some way at fault. Which would mean the not at fault status is a sham! Everyone I have spoken to on the phone has not yet been able to provide me with an answer - this includes senior management. Please, can someone help me out here? I would be satisfied with just knowing the logic behind their reasoning.