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




0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users

 

The popular baby name from the Rio Olympics

"With a pair of athletes who are not only successful, but seen as great role models – combined with a softer sound – it is like hitting the jackpot."

Toy stuck in baby's throat for two weeks

When Jude Atiga's baby son Laith was struggling to breathe the worried mum called an ambulance.

Mum awarded $20 million over birth power struggle with nurses

As a mother of three, Caroline Malatesta thought she knew what she was letting herself in for when it came to the birth of her fourth baby.

Win a Baby Jogger City Premier for Father's Day

To celebrate Father's Day, one lucky EB fan will win one of their own! Enter Now!

'There's a giant picture of BOOBS but I can not feed my child'

A mum was ushered out of an US department store's underwear section after discreetly breastfeeding her baby.

Why fatherhood scares many dads-to-be

Travis Bull vividly remembers discovering his partner was pregnant for the first time.

Free ticket offer

Pinky Mckay joins us again at the Essential Baby & Toddler Show presented by Blackmores with her expert baby settling advice. Register now for your free ticket.

Warning for pregnant women as flu-related deaths triple

A more than three-fold increase in flu-related deaths has sparked a plea for those with the flu to stay away from vulnerable people.

I'm trying to keep my child-free friends in my life, but it's tough

I tried to prove to my single friends that I was the same I'd always been. But marriage did change me - and motherhood has, too

For the festival lover in all of us

Pre-book & Save 50%. Get your tickets now for Kidtopia Festival. 7-9 October 2016 Parramatta Park, Sydney.

Too many parents still putting babies in unsafe bedding: study

A study found that a whopping 91 per cent of four-week-old babies had been placed in cots with unsafe bedding.

Mum's shock as toddler fat-shamed by internet trolls

When a mother uploaded a cute photograph of her 14-month old child online, she did not expect a swarm of internet trolls to write that her toddler was fat.

How an Aldi staff member made one exhausted mum's day

It was a simple act of kindness, but one that made an exhausted mother's day.

The most awww-worthy celeb baby pics of the week

It's been a pretty cute week on Instagram in terms of celebs relishing their babies.

When 'Just Do It' just doesn't cut it

When even Michelle Bridges admits to struggling with her exercise regime, it's time to accept that having small children can be a legitimate reason for exercise not happening.

What life is really like when you have five kids

Life is cute with one, manageable with three, but at times completely impossible with five.

When no one can pronounce your baby's name

In Wales it's a common name, but over here, it's cause for some confusion.

Dad shares horror tale after Roomba's run-in with dog poop

It's the poop story that's been shared hundreds of thousands of times around the world.

How a homemade wheelchair is giving baby Evelyn freedom

Like all one-year-olds, Evelyn Moore is keen to get moving and explore the world around her. But a battle with aggressive cancer left the little girl paralysed from the waist down.

Single to double pram that folds with seat attached

A pram is a large purchase, and you only want to buy once.

Mum-to-be surprises husband with big news in joy-filled photoshoot

When Bri Dow learnt that she was expecting, she immediately knew she wanted to break the news to her husband Brandon in a special way.

Blake Lively: 'Post-pregnancy slim down pressure is so unfair'

Blake Lively has urged women not to feel pressured to lose weight after pregnancy.

 
Advertisement
 

Top 5 Articles

Advertisement
 
 
 

What's hot on EB

For the festival lover in all of us

Pre-book & Save 50%. Get your tickets now for Kidtopia Festival. 7-9 October 2016 Parramatta Park, Sydney.

Why drinking water can be deadly for babies

H2O is one of the necessities of life, but for babies a seemingly harmless amount of water can be fatal.

5 ways having a baby is different when you have older children

So much parenting advice is geared towards having your first baby, but what's it like having a baby when you already have children?

You can now make your own plush Falkor

Fans of The NeverEnding Story – of which there are certainly plenty – went crazy for these plush Falkors when they first went on sale last year.

Baby steps

10 things that will actually happen after having a baby

I thought I had prepared myself for motherhood. Then my baby girl arrived and knocked everything flat.

Having a baby: expectations vs reality

People love to warn you about what to expect when having a baby, but they can be way off when it comes to the reality.

Are we having fun yet? Thinking positively as a parent

Motherhood is wonderful ... except when it sucks.

The adorable smile of a baby seeing his mum clearly for the first time

There is no doubt seeing their child smile for the first time is an unforgettable moment for parents everywhere.

When breastfeeding doesn't go with the flow

Breast is best, except when it's not. And in our case, it most definitely wasn't.

'If you don't vaccinate your kids you're a bloody idiot'

The photos are heartbreaking and almost too difficult to look at, but Kayley Burke is begging other parents to take notice.

Why pregnant women should eat chocolate

In news that will make expectant mums jump for joy - and reach for a block of Cadbury - scientists have revealed chocolate could provide health benefits during pregnancy.

The baby born with an incredible head of hair

If you're in any way challenged in the follicle department, prepare to feel a jolt of envy - at a two-month-old baby.

The push for Medicare to fund lactation consultants

While meeting with a lactation consultant can make an enormous difference to a new mother, it's not a service that is available through the public health system.

Parents, this is how to cut grapes to avoid choking

One mum has learnt a harrowing lesson about the best way to cut grapes to make it safe for toddlers and little kids to eat.

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.

Help! My baby will only sleep in my arms

It's stressful to be the one who is holding your baby most of the day, but it's even more stressful to wonder, 'am I doing something wrong? Or am I creating bad habits?'

 

ENTER NOW

Win one of two Father's Day Gift Packs

Sign up to receive our new Essential Kids announcements emails for a chance to win.

 
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.