Frans,
Do you have your strata valued every 5 years as required by the Strata Act?
A few years ago we moved to self manage and hired an insurance broker. Best thing we ever did.
Insurance brokers provide cover even if you are late with your premium. We went with MGA insurance brokers and they have been great.
With Electronic access to our bank accounts, Bpay and email for noitices and agenda and minutes you would be suprised how easy self management is. We now can spend the $1,300 odd dollars we paid the SM on maintenance.