G'day Lsibiricus (whats the origins of the nick?) I have most of my insurance through Donelly's Insurance Broker in adelaide. They are member of the Insurance Brokers of Australia network. I have found their policies and rates fantastic. They write their own policies with the best features from others available then put them up through the majors. I tried all over australia to get certain features that I wanted for my home and contents a few years ago, no one else could provide what I wanted, thats how I got onto them. I have no affilliation except as a happy customer. http://www.ibna.com.au/ cheers Rod