AAMI are a rip off. I had a very, very bad experience with them, they did reimburse me but I was out of pocket 4.6k and with no car for 5 months.

I am now with NRMA as well, I am paying ~$1600 for fully comp on s2k, fully comp on Audi a4 and home content covering 30k. AAMI were charging me $1800 for s2k alone.