b00sted is right though... heaps of ppl have had accidents with pfc's, ebcs and crap and they get paid out...
i just dont understand it..
i rang up just cars once and i go "isnt it a scam insuring p platers in vic" the woman just laughed and goes
"err umm err well we cover you nationaly.. so if your driving in a state where its legal to drive your still covered"