We are with NRMA and get pretty good multi policy discounts. We have only ever claimed on the cars (both DH's fault mind you ) and they were fantastic both times.

However, I am not so sure on them for house and contents and am currently looking for something else. Main reason is that they don't cover for flooding, so if we get the cyclonic weather that is 'predicted' and it happens to be a high tide, and the storm water drains have no where to take the water, and my house floods, I am not covered. (I use this scenario cause it happened to my parents about 15 years ago). For me, I am paying insurance, I want to be covered, especially when there are others that will cover us.

But it is just a case of shopping around to find who will cover you for what you want to be covered for.. GL.