Odd. You've got a cleaner record than most people out there, including myself...
lets see....
Red light camera fine in my mums sigma(19)
1 speeding fine in my mums sigma (20)
PCA (age 21) in my r31 (crashed)
Driving with undue care (age 21, same incident as above) in my r31 (crashed)
2 speeding fines on the R31 (age 22-24)
2 speeding fines on the VN commodore (25-26)
3 speeding fines on the R32 GTR (28-30)
crashed the r31 twice with the 2nd time being a complete write off, and yet I've always kept my rating 1, regardless of the insurance company (AAMI, Justcars and Shannons)
its weird how they work it out - if I was an insurer I'd be more inclined to give Damo insurance than myself
-D