[pmunger]

Before you decide call up your preferred BMW repairer and see who they will deal with - many good ones wont touch the Suncorp brands (GIO / AMI, Shannon's etc.) because they wont pay them enough for the repairs.
Suncorp also try to push you through their own repair centers that they operate - choice of repairer is a joke - they let you choose a repairer only if they aren't more expensive than using their own facility to repair.

As boring as it is you need to read the PDS, the price is only part of the deal.

I use QBE, but Allianz / BMW / RACV also looks good.