I have stayed with NRMA for the last 12 years, they have covered me for one stollen mazda work ute with all my tools, one D22 that was sunk, a D40 that was slammed by a P plater running a stop sign.
They never missed a beat, paid me out each time with no fuss and really quick, always were very helpful with hire cars and taxi's ect and always paid the agreed value regardless of the accessories or tyre sizes ect.
may not be the cheapest (although competitive) but in my experience they were worth the money