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

 

Special offer: The Baby & Toddler Show 2014

At The Baby & Toddler Show, you?ll find everything you need to get ready for your new arrival and guide you through the early weeks and years of parenting.

The 'no children' wedding invite

It was the wedding of one of my oldest and dearest friends, and she had invited me to be her bridesmaid. It was quite an honour. But there was one problem.

Baby Dylan recovering well after spending five days alone

 For up to five days he lay alone after his mother died of a suspected drug overdose, but eight-month-old Dylan Micallef has made an incredible recovery.

The mystery of William Tyrell, little boy lost

The question remains: How does a little boy simply vanish without a trace?

Woman fights off robber, then gives birth

A thief in the US got more than he bargained for when he try to rob a woman who was nine months pregnant because he figured she would be an easy target.

Video: Two-year-old tells mum off for laughing at her

This little girl is not happy that her mum started laughing during her performance - so she tells her exactly how she feels about it.

Coping with a bolter

My 15-month-old has suddenly added a burst of real speed to her toddle. She should be classed a flight risk.

Single, 51 and pregnant

Tracey Kahn didn't realise she wanted to become a mother until she was well into her 40s. Now 51, she is pregnant with her second child.

An open letter to Tony Abbott: please salvage our super

We face financial ruin, but most of us don?t realise it. If we don?t act together to salvage our superannuation, I have no doubt the new GFC will be the Girls? Financial Crisis.

'I'm happy to know I'm changing lives': surrogate mum of two

I know that once the baby is born, I will focus on the gift I have given, and watch the parents with their new child. I can't wait for that day.

Birth trauma and the issue of informed consent

There is a perception that women should just be happy they have a healthy baby in their arms. But for women who experienced birth trauma, there's a lot more to it.

Tips for managing pollen allergies and hayfever

They're simple tips, but they can have a big impact on those who suffer from hayfever and pollen allergies.

Ada Nicodemou shares tribute to her stillborn baby

Just over one month since Ada Nicodemou and her husband lost their second son, the Home and Away star has shared a touching poem for her baby.

Mum causes stir breastfeeding on train

?To the woman breastfeeding her kid on the train. Seriously! On the train?" began the letter of complaint.

10 things they don?t tell you about being pregnant

As I slowly waddle my ever-changing pregnant body towards the finishing line of my due date, it?s becoming increasingly clear there are a lot of things they just don?t tell you about pregnancy.

Overcoming a fear of the dark

A toddler's fear of the dark is very normal, but there are ways parents can help children through this stage in their development.

Kids, TV and movies: how young is too young?

It seems you don't have to throw the TV and iPad out the window - it all boils down to moderation, supervision and interaction.

Video: Baby's first birthday is a special day for mum, too

?A baby?s first birthday is also mum?s first birthday.?

The day Supernanny came to tea

Prince William's favourite celebrity child trainer Jo Frost puts Bryony Gordon and her toddler through their paces.

The words I hated hearing as new mum

It was less than a week after my son was born that I first heard it - from my mother.

To the pharmacist who sold me baby formula

On the rare occasion I catch sight of you at school, or around town, I think back to our earliest exchange. I?m sure you have no recollection of it at all.

Download now: Essential Kids Activity Finder app

Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Special offer: The Baby & Toddler Show 2014

At The Baby & Toddler Show, you?ll find everything you need to get ready for your new arrival and guide you through the early weeks and years of parenting.

Losing yourself to motherhood

While watching your baby grow into a unique little person is exciting and wondrous, the intensity of meeting everyone else?s needs can ever so sneakily overtake your own needs for self-care.

Tearing during delivery: the facts

Almost all women will experience bruising, grazing or tearing after a vaginal birth. Depending on the degree of tearing, there are various treatments available.

6 tips for a day out with a baby and toddler

Outings can be lots of fun with the kids, but there are inevitable challenges. Here's some information about days out to help you be a little more prepared.

Why I invited a dozen people to watch my son's birth

I sent invitations on burgundy scrapbooking paper stamped with a field of poppies, and told each person why I wanted him or her there. I warned that there would be nudity.

Getting labour started: tips for a natural induction

When your baby?s due date comes and goes without so much as a pop - let alone a bang - it can be disheartening. Mums and a doula share their stories of natural inductions.

7 mistakes old hands make with new babies

As I sat across the table from my friend ? me, a seasoned mother of three; her, a brand new mum ? I thought of all the mistakes an old-hand parent can make when visiting a newborn baby.

That's my boy: a dad's diary of the first 4 months

Unbearable anxiety, unspeakable joy, constant exhaustion and bouts of frustration ... The many shocks of first-time fatherhood resound in a dad's diary of his son's early months.

One of the most important things a new mum can do

Finances may not be as cute as a newborn, but with many women?s working arrangements changing post-baby, monetary matters need attention too.

The 'no children' wedding invite

"It's her wedding, so the day is all about her, not your baby." How major fall-out can occur over a simple wedding invitation.

Personalised baby gifts

We've scoured the internet to find gorgeous personalised keepsakes and nursery decor to record baby name and dates. They make great gifts for christenings, name days and birthdays! (All prices in AU.)

 

Reader offer

2 FOR 1 TICKET OFFER

For Shopping, For Advice, For Baby & You. Enjoy a special day out with fabulous shopping from over 200 brands, leading parenting experts offering advice on a range of topics, and amazing children?s entertainment

 
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.