I am with YOUI, I have made 2 claims with them and they are very friendly.. they even sent me a toy garbage truck after I went up the back of one
I am currently still in the middle of claiming from them, it has been slow but that is because the other party ran off but YOUI have tracked him down finally..
Before I had smashed up any of my cars I was paying only $340 for 3rd party fire & theft. Now after 2 smashes I pay $410 a year for third party fire & theft but I get free car hire when my car goes in for repairs and the excess is only $400

must add.. Im an expert at smashes I've only written off 3 cars.. But I've been with AAMI, JUST CARS, COMMINSURE, and YOUI is the best Ive found