Pm me with: Vehicle details, 3 years of driving history.claim history, Type of vehicle, Agreed Sum insured, any mods , age .
PS: I previously worked for a major insurance company, they generally use the same principles all round since most of them are either owned by Suncorp or use the same software/driver rating system.
Basically Insurance is all about risk. Technically your paying them straight out of fear/peice of mind, what ever you call it. Some people call it a nessesary evil.