Yes we have had this conversation before. But the bastartds keep moving the goal posts, so we need to keep having it.
Yes, insurance companies are assholes. They take any risk (for them) out of insurance. If they are not interested in your business, or a area of insurance they price themselves out of the market. (hmmm think that shits, breaking the law) I'm lucky (now) i can get reasonable priced insurance. This is also why i have insurance, a lot of people can't, won't, or don't give a fark.
I saw this 78ish model Sigma stoved up the ass of a new Roller, out the front of Kingston Heith golf club, a couple of years ago. (it was farked) Saw the driver standing there, he definately had no insurance and either a big farken bill, but prob bankrupt.
Have a look at this link
http://www.ksrc-au.com/phpBB2/viewtopic.php?t=1573
Hunt around, if the big boys don't give you a far go, try a insurance broker.