Hey ladies! I work in insurance so let me tell you something... every insurance company has clauses that can void your policy. It's just how it works. It really doesn't matter which company you're with - you have to read the small print. I bet you that just because AAMI doesn't have this clause, they have a dozen others that you haven't thought of... I just had a look at Real's PDS and it's easy to read so you know what you're getting when you buy it. I was previously with NRMA. Try reading theirs! Good luck figuring out what you're covered for... it's so complicated! Bottom line, do what's right for you at the right price, but take the time to read the small print. All companies are required by law to put their Product Disclosures on their websites.