After that I rang around a few companies for quotes and my own was still cheaper (house, contents, car). The one that came closest to being as good was FMG but only if I used the same sum insured amount, not the replacement cover, which was significantly more expensive. MAS does indeed require referral from another member before they would do an estimate. The rep. on the phone said they also tended to be a bit more expensive. I can't be bothered hunting down a referral if they really are going to cost more.
Having used an online calculator from ANZ and heard what a mate had his house valued for I decided against a valuer and I'll stick with the calculator estimate which was unsurprisingly a bit higher than my insurance co.'s estimate.
One problem I'm having is getting my husband third party on road motorbike insurance. My provider doesn't directly provide it so I'm shopping around. Ideally he wants it for just three months now, none in winter and then get it again in the summer.
Some companies allow cancellation with a refund of the unused part. Prices are all over the show with FMG being cheapest so far. Too cheap in fact. I think they got it wrong! I'll be looking over the policy when it arrives in the mail then have the husband ring them up and make sure all the full disclosure facts are straight about any speeding tickets etc. since I just told them what I could.