Thanks for letting us know Matt. My 2 properties plus current home contents would save me about $200 p/a if I switch to Real, plus my excess drops right down from a $1000/$1200 excess to a $500 one. I have heard that Aami are best with personal injury claims (had a friend who received serious head injury in a car crash and apparently Aami are the best for paying out on this sort of thing, NRMA were very poor) but interesting that you had hassles with the landlords claim. Food for thought indeed.