GIO is pretty good though I'm with NRMA right now as this year it happens to be cheaper. I just bounce between the two.
I had an issue with NRMA where my car was side swiped by a truck. Although I had photos of the truck and intersection as well as copies of the roads legislation they kept indicating I may have been overtaking the truck. There weren't any witnesses.
6 months later and a threat of a complaint they finally just called the other party who admitted his fault and they returned my $2500 excess. They should have just done that from the start...