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One umbrella company, but operate individually. I'm not sure if Apia is one of them, although they use AAMI to handle their claims.

I have not included AAMi in my review of policies since my initial one several years ago. AAMI is a lightweight policy, bugger all coverage outside of the basic which is more aligned to owner occupier (basic retail policy). The easiest to read and comprehend but a no frills policy.