Can I just suggest that you look at the PDS for each company and closely look at the terminology used in each one.
I have not long come out of a 3 year civil legal battle over a refused at fault claim by an insurance company (who I had been with for over 10 years). That battle was all over the definition and the insurance companies implementation of a 'recklessness' clause. For the record I won and they had to pay the 3rd parties and my loss. I still lost over 30k for the experience!
I found the same clause in the NRMA PDS as well. I'm with AAMI and happy to pay a bit more for a simpler PDS. . . That way you know where you stand, you may never claim, but. . .
That's my two bobs worth!