Hi, I was hoping to get some opinions from people who've used either of the above insurance underwriters above. Using the handy list of insurers on this forum, I did my due diligence and started calling around. It's down to NRMA and Insure My Ride. After lining them as closely as possible (in terms of extra coverage, excess, etc,), the prices are: NRMA: $695 Insure My Ride: $595 Is NRMA worth the $100 extra? I'd rather go w/ them as I'd had them for my car. Having said that, I've never had a reason to claim and thus have never dealt with them. Thanks in advance.