Firstly if the Owners Corporation or the Committee say get more quotes then the manager is to get more quotes. The only issues are 1) is there time to get the quotes before the insurance must be renewed. 2) it needs to be a decision of the owners not one or two owners when the majority don’t want to.
For the fire audit question its a bit of the same, does the owners/committee want more then they get more. If not you may just have found yourself out voted.
A question with Fire is the dangers of not proceeding swiftly. If the council demand action then do it asap, fire orders get Very expensive to deal with and they could order the residents out if deemed unsafe. Also if there is a fire and the owners have not proceeded swiftly then you could be in big trouble. The insurer could walk away from any claim and the owners/committee facing legal action.
I know it sounds doom and gloom, but the possible ramifications could be huge.
The Bankstown unit fire is close to the worst case outcome.