I think I will go with Poncho.
Am currently with GIO and they have been deceptive to me in their annual renewal process. I believe they have underinsured my car in an attempt to keep their premium increase down to a mere 15%. This year they dropped my cars agreed value from $89012 to $64000. This might be be OK, except if I go into any of the Suncorp insurers websites and enter my specific car details, the minimum Suncorp, GIO or Aami will insure my car for is an agreed value of $76500 (all three insurers quote precisely $76500). They cannot explain to me why my renewal has undervalued my car by $12500 from this figure. Either everyone else is over insured with them or I am underinsured. The can't have it both ways. So I asked GIO to raise my agreed value by $12500 to match the minimum on their groups websites. This produces a premium increase of 47% for me this year! Again this may still represent reasonable value. However I have lost faith in them after they generated my renewal with the BS agreed value, unique to me, that they cannot explain. I recommend anyone else insuring with this group, that you compare any changes in your agreed value with what they offer on their website, come renewal time.