Check all the boxes.
1 your the youngest driver.
2 your on a pension.
3 any demerits points in the past 3 years.
4 make it clear you only drive low KLM per year. NRMA was only a few bucks more in my case compared to the other providers

I am lucky to a point - I am the only driver of my car. About the only exception to this would be if I fell ill and needed a trip to the hospital.

I'm not on the old age pension yet but my points are intact so there's no issue there. I reckon most would game the system a bit with declaring kms travelled though it is just a case of not being too greedy. If one says they travel only 20,000km a year and they have 300,000km on the clock in a 4 year old car straight after an at-fault accident then the policyholder may run into some issues if the other driver makes a claim for a personal injury.

On another note, I was on the M4 this morning. A red hatch was in the right lane (she had three other lanes to choose from) and was doing 95 in a 110 zone. Those in front of me who were annoyed with her blocking the road chose to veer left and run up the rails to get around her. This is too dangerous. I chose the less dangerous option of giving her the horn until the noise was too much for her and she eventually got the message. She was typical of the age - just off her P's and no consideration at all for other road users. As I passed her I noticed her phone in her left hand, which was also the only hand holding the wheel, her right hand being used to give me the V sign and she was blowing bubble gum at the same time. She looked like Kylie Mole from the Comedy Company.

I've noticed brackets being installed in several locations on the M4 and other motorways in Sydney. Nice shiny hot-gal jobs. These are for the new fleet of phone cameras that are being rolled out at more than 40 sites across NSW. This bird is going to lose her licence very soon, I predict. She need not ask for sympathy.

Some Insurers are sneaky; two car policies two different owners same company. Every year the policy increased around $20+. Another had a better Farm Insurance plan. Price would go up & something like fencing would fall off.

Dumped both.

I am waiting for the crawl out clauses to creep in now we have had the bushfires. One's already been caught out trying to crawl out of paying & exposed in the media, on the current policy.

They are experts at all that stuff. I only have third party on my car. It's too old for a comprehensive policy to be viable. Last time it was due to be renewed it went up $40 or thereabouts. So I went shopping for a better deal. I shifted from Bingle to Budget Direct and kept things at the old price. Prices vary a lot. For some insurers, their price says "we don't want your business - stay away", so I do.

My household contents aren't insured. It's a waste of money in my eyes. I can't put a realistic value on my radio collection, although I estimate that if the lot went to auction, I'd pull in between $50,000.00 and $60,000.00 for radios plus bits and pieces and test equipment.

Green slip insurance varies wildly between the five or six authorised insurers. There were 13 when the scheme began but some of the insurers have since been bought out by others and some have stopped issuing policies because they claim they are not viable. There is a difference of several hundred dollars between the cheapest and most expensive.

All green slip providers have to provide a minimum level of cover equal to the old regulated system ran by the Government Insurance Office. I am happy with that level so I just go for the cheapest and be done with it.

Act of God used to be the great crawl out clause: I think the Government ended up banning it. One of the falls that these companies are headed for is that they are writing out things like flooding etc.

Of course the trap is that once you write out and stop payout on just about anything; You cease to be underwriting risk and then you cease to be an insurer. Naturally based on previous performance like the Banks: The ACCC etc. would not see that.

It is getting to the point where they need to be treated like children & have mandatory definitions of events & what they are obliged to cover & pay up on: Forced on them.

Next to Centrelink, the ACCC is the most useless government department anywhere in the world. Their DNA actually includes preferring that Australian companies are taken over by foreign ones than by local ones. There was more sanity when it was operating as the structurally separate Trade Practices Commission and Prices Surveillance Authority. It's another Paul Keating legacy we are stuck with because no government has the tackle to separate its functions once again.

As for the mobile phone detection cameras, I've noticed an extremely obvious one on the Hume Motorway. It's on the northbound carriageway, on a big traffic sign just before the Menangle Rd overpass.

When I say traffic sign, it's one of those billboard things with a message in orange lights from the RTA. Anyone who knows the road will know exactly where I mean.

I look forward to seeing more of these cameras about.