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Neil
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I think that is a bit harsh. I have used them every year for over 8 years and never had a problem. I have had minor claims and no complaints. A friend had a major claim and that also went fine. Overseas claims/emergencies are dealt with by separate phone numbers(companies) who are available 24/7 and that is not unusual for insurance.

They are getting expensive compared to 8 years ago. Apparently they have had a few major claims.

NZAC is also supposed to be arranging insurance for Australians. You could start by talking to them or the company who provides their insurance for their NZ members.

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