Jump to content

Recommend me an Insurance Policy


  • Please log in to reply
10 replies to this topic

#1 KatakaGeoGirl

Posted 29 January 2013 - 09:05 AM

I was going to be calling Allianz as I had business insurance with them for a time and they were extremely efficient to deal with.

We are currently with GIO but I have always been apprehensive due to their rather large booklet of terms of conditions, and I feel if we ever had to make a claim I think they've given themselves lots of loopholes and it would be hard to claim.

DH is 43 and I am 37. We haven't had to (touch wood) claim on any kind of insurance to date.

We are moving house on Friday and I have been thinking hard about Allianz, but before I call them I'd love recommendations. Not so much the price, but moreso that they will actually pay out; so perhaps positive payout experiences.

I'll be moving both cars and our home and contents to whoever I choose to insure with.

We are moving to a house that if there was a bushfire, we are probably in the worst, most likely to impact, position. So it needs to be a policy that definitely covers bushfire. We also have a large number of gum trees and at a high mountain point, so if there were major winds and storms trees could also be an impact. So we need to have storm damage as well. Obviously flood won't be an issue.

Love your recommendations. I'll be making a call before the day's end! TIA

Edited by Katakacpk, 29 January 2013 - 09:05 AM.


#2 SeaPrincess

Posted 29 January 2013 - 09:12 AM

We're with AAMI.  They took us on when we bought a house in Darwin and settlement fell when Darwin was on cyclone watch - no-one else would even consider it.  We now have our building, contents and vehicle insurance with them.

I haven't actually made a claim because the repairs that I discussed with them turned out to be less than our excess, but they were easy to deal with.

#3 Wallymaduka

Posted 29 January 2013 - 09:36 AM

Sorry can't help with the payout/claim feedback - other than a windscreen - but I am a fan of AAMI's policy pricing and customer service.  Their premiums came in well under the top few competitors, and almost half of RAC's.  Have also been very impressed with their customer service to date.

#4 CallMeFeral

Posted 29 January 2013 - 09:51 AM

AAMI's a funny one. I think their customers like them but I've heard of many repairers that won't deal with them because they are so difficult on that side. Sorry don't know more detail about what that involved.

#5 KatakaGeoGirl

Posted 29 January 2013 - 01:33 PM

Anyone else?

#6 JRA

Posted 30 January 2013 - 07:51 PM

QUOTE (Katakacpk @ 29/01/2013, 09:05 AM) <{POST_SNAPBACK}>
. We also have a large number of gum trees and at a high mountain point, so if there were major winds and storms trees could also be an impact. So we need to have storm damage as well. Obviously flood won't be an issue.

Love your recommendations. I'll be making a call before the day's end! TIA


We are with AAMI and have been very happy, and have had a few claims over the last few years.

But more importantly, to live in a house with a gum tree close enough to fool i believe is suicidal. Gum trees drop branches, simple. Having grown up in the country, with a father like mine, there is no way I would live near a gum tree, that close. I value my life too much

#7 DamiansMama

Posted 31 January 2013 - 03:25 PM

I like Allianz. Great premiums, solid coverage (accidental damage, etc) and a claims team who has an attitude of accepting liability rather than declining.

They also have bushfire and flood options - unfortunately there is a freeze / embargo on having these covers at the moment.

#8 erindiv

Posted 31 January 2013 - 03:35 PM

I can recommend AAMI. I have had 6 different car policies, 1 home & contents and 2 contents policies with them at various times. When I crashed my car in 2011 it was resolved quickly HOWEVER the car was a writeoff so there was no repair etc to organise, not sure how they go on that.

It did take about 5-6 weeks from crash to payout though.

I was just researching contents insurance the other day to see if I could find anyone who would give me a better price than AAMI. They were all more expensive. A lot more expensive.

I never have to wait on hold for AAMI either and they have always been lovely and helpful.

Edited by erindiv, 31 January 2013 - 03:36 PM.


#9 MrsLexiK

Posted 31 January 2013 - 03:45 PM

I've never claimed but I was originally with AAMI for car insurance when I was younger (I did a under 25 course and got cheaper/discount premium) and had contents with them when we moved out I moved to CGU based on price later, and added home building and contents.  The premiums kept going up especially for my car (I was told we have had a lot of claims for your type of car - umm yeah no I don't think so) even though my risk was going down, they where also useless with a potential claim I was trying to make.  I ended up doing the ring around and went back to AAMI because of price for the car (really a much of a muchness on product).  They took a young driver to be under 24 whereas all other companies at the time where under 25 this was sending up both mine and my DH's insurance as I was a listed driver. The house policy was not only cheaper but better product. (I got unlimited build plus doubled our contents for a few dollars cheaper a month. )

All have just gone through renewal and the house and building went down (no idea why perhaps because I have now had it for 3 years without a claim?) and the car insurances went slightly up.  I rang them and the girl did a fiddle with the figures so that whilst the 2 car policies have gone up it is basciall by the amount that the house went down so clearly offset.  

I know people who have had to use AAMI for their car and claim and they have been good.

#10 Wallymaduka

Posted 31 January 2013 - 06:36 PM

To add, AAMI have won Insurer of the year in Money Magazine Consumer Finance awards in 2011 & 2012.







#11 *Rowena*

Posted 31 January 2013 - 07:07 PM

I'm going to vote NRMA. When we were burgled, they were so easy to deal with - I honestly could not fault them. When the assessor came to our house, he was very pleasant and was actually trying to help us to think about what else might have been stolen (because half the house had been ransacked and it was difficult to remember exactly what was in what drawer).

No idea what Allianz's house insurance is like, but we recently claimed with them on a travel insurance policy and they found a small print item (it actually specifies page 37 of the PDS on the claim paperwork) that enabled them to pay us the bare minimum.

Rowena




1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users

 

Abbott's childcare changes will 'reduce access and add complexity'

The government's childcare assistance package threatens to confuse and intimidate many parents, experts say.

Be careful what you wish for

Remember that chubby little baby who rocked on all fours? Remember how you wished he would start to crawl? Then remember how you felt once he did?

William Tyrrell's parents plead for information as anniversary looms

As the one-year anniversary of William Tyrrell's disappearance draws near, the missing four-year-old's parents have again pleaded with the public for information that could help bring their son home.

Family sleepovers: a tribute to my 1970s childhood

My memories of those nights in my childhood are all about fun: sleepover excitement, staying up late, watching movies we probably weren't supposed to watch ... freedom.

43 minutes of terror: family's agonising wait for ambulance for toddler

It was terrifying. As the minutes ticked by little Cooper Harrison's parents felt more and more frantic.

What not to say to a new mum

Some phrases just pop out before you really think about them, but there are some things you should try to not say to a new mum.

Mummydesking: the new hotdesking

It is a paradise that only working parents of small children can understand: a place to sit for three hours without any interruptions while someone looks after the kids.

Charlize Theron adopts baby girl

A few months after splitting from Sean Penn, the actress Charlize Theron has adopted a baby girl.

Facebook CEO Mark Zuckerberg shares painful truth behind wife's pregnancy

Facebook chief executive Mark Zuckerberg has shared a brutally honest truth about pregnancy in the hope it will help others through dark periods.  

Sugary drinks blamed for removal of toddlers' rotten teeth

Children as young as 18 months are having multiple rotten teeth pulled out as parents feed toddlers soft drinks through sipper bottles, and chocolate biscuits and Milo as bedtime treats.

Mum accidentally fake tans baby

Many of us have fallen foul of a bad fake tan or two, but this little guy's started a bit earlier than most.

Does this three-month-old say 'I love you'?

YouTube user Ted Moskalenko was filmed by his wife, Michelle, as his baby son, Ben, engaged in some baby chat.

Kids break out of daycare centre, cross busy highway

Two children broke out of an early childhood centre and wandered across a four-lane road.

Why I'm glad to be an indulgent granny

The phone calls started a couple of weeks ago. At about 5.30 each evening - if I am lucky - I will be greeted by a sweet, excited voice declaring: "'Allo Annie".

Newborn found in toilet at German airport

A newborn baby found abandoned and extremely ill in a bathroom in the Munich airport is doing well.

Is this the worst relationship advice ever published?

You sometimes have to wonder whether relationship/sex advice from magazines is designed to help or humiliate.

How you talk to your baby now can impact social skills later

People used to think that social skills were something kids were born with, not taught.

Three truths about C-section mums

Lately I've been thinking about the caesarean stories and the brave women who birth their children with strength and beauty.

Scientists predict when you should start a family

Scientists have calculated at exactly what age you need to start trying to get pregnant to have the best chance of realising your dream. 

Differently abled child

When 'protecting' a child is really a cover for judgement

Why are people so concerned for this happy child and his mother?

Get your FREE Baby & Toddler Show ticket!

Get your free ticket to the Sydney Essential Baby & Toddler Show for September 25-27 - register online now.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

When toddlers have strange obsessions

When it comes to two-year-olds and birthday cakes there are a few requests that are usually at the top of the list. But a cake featuring a local personal injury lawyer?

When Mama Bear strikes

When we become mums, our instinct to protect our children and keep them safe from harm is so strong we're often likened to a Mama Bear protecting her cubs.  

Immunity boosters for kids

There are no guaranteed ways to avoid the dreaded winter illnesses completely, but there are ways we can boost our children's immunity.

Yes, you can get pregnant before your period returns post-baby

After giving birth, the last thing you want to think about is contraception. But you can get pregnant before your period comes back.

Mum shares portrait of her proudly breastfeeding three-year-old

Jade Beall usually chooses to breastfeed her son, now 3, in private. This week, however, she shared portraits of her breastfeeding her preschooler.

Dealing with a toddler's morning tantrums

Your schedule is not important to your two-year-old, and you cannot convince her otherwise. So what can you do?

My baby's first seizure

It was 1am on a cold winter's night when I woke suddenly to the screams of my 12-month-old son. Our lives were about to change forever.

MP breastfeeds baby during parliamentary session

An Argentinian mum and politician has caused a stir on social media after being filmed breastfeeding her baby.

Heartbreaking moment mum kisses her one-week-old goodbye

At 11.07am on April 2 this year, Sarah Marriott welcomed baby Sebastian into the world.

The best age to get married (according to the latest study)

Not too young, and not too old. That's reportedly the best age to get married. Not everyone agrees.

Fellow diner rewards mum after toddler's tantrum

Parents of toddlers everywhere know the feeling. After working up the courage to take your child out for lunch or dinner in public you are rewarded with a mid-meal meltdown. 

IVF gender selection being considered for Australian parents

Couples using IVF may be able to choose the gender of their babies and women could be financially compensated for donating their eggs.

The amazing Tee Pee bed and kid-friendly Frankie Bunk bed

These kids' beds definitely fit the brief of providing personality and personal space for little people who are moving up in the world.

The funny things kids say when you're pregnant

Since becoming noticeably pregnant, my son has taken more of an interest in the sibling he'll soon have.

The real problem with having one child

In this age of political correctness, it seems the one subject still subject to discrimination is that of the Only Child.

The fire hazard in more than 70,000 Australian homes

So far, 206 Samsung washing machines have caught fire and some have exploded. But many remain in people's homes.

How having a baby can bring on OCD

We all know that having a baby can turn your life upside down - and it can also bring a raft of new anxieties and worries.

IKEA begins massive safety campaign after two toddler deaths

Two children were killed when pieces from their Malm furniture line tipped over.

Which beauty treatments are safe in pregnancy?

Is it safe to use fake tan, hair dye and nail varnish during pregnancy?

A dad's guide to hyperemesis

I am in no way qualified to advise women on how to cope with hyperemesis, but I've learnt some lessons that might be worth sharing with other partners.

The five ways I know my 'baby' is no longer a baby

The truth is, I can no longer deny that my walking, babbling, somewhat-independent little miss is no longer a bona fide 'baby'.

 

FREE TICKET

See Pinky McKay live in Sydney

Get your free ticket to The Essential Baby & Toddler Show and save $20 - register online now!

 
Advertisement
 
 
Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.