AFAIK you can get two quotes.
you choose one, they choose the other and which ever is cheaper they go with.
They only garruntee the repairs for 3 years also.
Its all in your PDS and policy wording. Once you have paid your prem and everything, that is the contract.
Not happy?
Cancel and go elsewhere, but as people have said, your better to keep going through JCI as the other person is just going to be too hard to get money out of!