After another analysis, Technopile’s quote was about $650/yr with 1k excess. Mine was 1.2k/yr with $500 excess. Both quotes are from RACWA and we both have maximum NCB. I realise that other factors such as age, other concurrent policies, suburb, previous claims etc may influence this also. I figured it would be better going for the higher excess providing a claim is not made with 1 year of the policy. Otherwise the amount saved with the lower annual premium will make up for the higher excess after a year. Hope this makes sense.