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Been with RACV for many years, never a problem. I even took my wife's daughter out for her first driving lesson about an hour after she got her license...within half an hour we were back with about $3500 in damage...she had mounted the kerb turning a corner and slammed into a tree at about 20kph, went right through the passenger side headlight and panels. I pulled the hand brake on as hard as I could but the car was in first and she slammed her foot on the accelerator. I hadn't got around to telling them I may be taking a learner out, but it didn't matter to them. Other than the excess of $600 they paid up. My wife's insurance company said she would have to increase her premium on her 8 year old Lantra to more than $1500 per year if she was going to teach her daughter (needless to say, she switched to RACV).
The most important thing about insurance is not how much they cost, what they say they will cover or do for you...but more what they ACTUALLY pay. Cheap (or expensive) insurance isn't woth a cracker if ultimately they won't pay out when you make a valid claim.
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