Jump to content

Not insured..asking for handouts
Interviewee in floods

  • Please log in to reply
233 replies to this topic

#1 Mumma3

Posted 29 January 2013 - 07:01 PM

I was watching an interview with a family in the flooded areas in QLD, who spoke of all the new things they had recently acquired (furniture and bikes were mentioned). The interviews asked if they were insured and they said no - then added, so if anyone can help us...... Another man had a business flooded out and also didn't have insurance.

I realise some people genuinely can not afford insurance, but if you can afford to buy new furniture etc, then I think you should also budget for insurance.

Environmental disasters (floods, fires etc) are happening more and more often, and those of us who DO have insurance are paying higher premiums because of it. Many of us have also contributed to flood and fire appeals.

If my home burned down due to an electrical fault, and I was not insured, I would have to suck it up. It is no more my fault than a flood or fire coming through.

I hope this doesn't come across as heartless, because I really do feel for those affected by these events, and can't imagine what it would be like to lose everything. It's just that I don't understand   why so many people not only not insure, but then expect everyone else to give them handouts?

#2 danielle1985

Posted 29 January 2013 - 07:03 PM

While I do agree with you partly, the issue from the last floods is that people COULD NOT ensure. They were considered to high risk... It wasn't through lack of trying. For some the choice was to not insure or leave.

Edited by danielle1985, 29 January 2013 - 07:05 PM.

#3 Sassy Dingo

Posted 29 January 2013 - 07:05 PM

Because they got lots of government handouts last floods, they expect the same again.

If you can't afford insurance, you can't afford to have a house.

#4 Expelliarmus

Posted 29 January 2013 - 07:06 PM

Did that look like a family that could afford insurance?

I'm serious. I think there are done families for whom insurance is dimy not accessible.

#5 Expelliarmus

Posted 29 January 2013 - 07:07 PM

QUOTE (Sassy Dingo @ 29/01/2013, 08:05 PM) <{POST_SNAPBACK}>
Because they got lots of government handouts last floods, they expect the same again.

If you can't afford insurance, you can't afford to have a house.

So you live on the street and have no clothes of furniture either?

#6 Awesome101

Posted 29 January 2013 - 07:07 PM

A work collegue didn't renew his house insurance because he "just didn't get around to it" His home was flooded a few years back and he lost alot. My work started collecting money for him and the expectation was high. I didn't put anything in. I struggle to get the money together to pay my insurance every year as the payment is due straight after Christmas but I do it because its the responsible thing to do.

#7 Mama8

Posted 29 January 2013 - 07:08 PM

One lady they interviewed last night was still waiting for insurance claims to be processed for the LAST flood and her house is once again flooded.
She was in her 80s I think.

Lets not be too quick to judge

#8 .Jerry.

Posted 29 January 2013 - 07:08 PM

In general I think if you have a house, you should have insurance.
There are exceptions though.
One exception could be those living in flood areas.  Some of them simply cannot get insurance.  Or if they can, it is so hugely expensive it is ridiculous - e.g I hear of one family whose insurance quote was $13000 a year.  Not affordable.

Others cannot afford insurance and cannot sell and still be financially viable as their house are worth far less than the market will pay for a house in a flood zone.

So yes, everyone should be insured... but sometimes it is difficult.

#9 Mumma3

Posted 29 January 2013 - 07:12 PM

Did that look like a family that could afford insurance?

I don't think their appearance had anything to do with it,  everyone interview looks wet and exhausted to me.

I am only repeating what they said - that they had just bought new furniture and new bikes etc.

#10 Sassy Dingo

Posted 29 January 2013 - 07:19 PM

QUOTE (howdo @ 29/01/2013, 07:07 PM) <{POST_SNAPBACK}>
So you live on the street and have no clothes of furniture either?

Or you could you know...rent.

#11 ComradeBob

Posted 29 January 2013 - 07:23 PM

You can't tell.  The furniture could be cheap. They could  be in the unenviable position of not being able to get insurance anymore, but equally not being able to sell their house because they couldn't get enough money to buy something else appropriate in a less hazardous area. And for people who say that they shouldn't have bought there, did anyone expect floods of this magnitude either 2 years ago or now?

#12 B.feral3

Posted 29 January 2013 - 07:23 PM

I think your post is way off OP.

My house does not flood and never will. We are on high ground. Hundreds of people in my post code however flooded in 2008, 2011 and now, well above their floor boards and up to the roof tops.

I have seen my insurance premiums rise from $600 per year with a $100 excess back in 2004 when we first moved here to over $1900 per year and I now how a $1500 excess which actually reduced that premium. It would have been more. When I tried to shop around last renewal period, I found that MOST insurers will not take on any new customers in my post code. My own insurer is also not taking on new business in my post code so I paid that bill quicker than you would believe. ETA: Other quotes I received were for laughable amounts like $6000 a year.

Again, I will never ever flood. I have never once even made a freaking claim!! I NEED insurance though in case my house accidently burns to the ground or someone breaks in an robs/vandalises the place.

I feel sorry for anyone in my town who didn't have insurance pre 2008 but decided to take it out post. If they do find an insurer that will take their business, they will pay through the absolute nose. I don't think home and contents premiums $2000 plus are affordable for the average family to be honest. I am just lucky that we can afford it. (Just.) I am really really scared about what is going to happen to our premiums after this round of flooding though come renewal time. If my bill is any more than about 2.5k a year with maximum possible excess then I think it will be time to call it a day on the contents and just insure the home.

Edited by Bek+3, 29 January 2013 - 07:51 PM.

#13 cinnabubble

Posted 29 January 2013 - 07:23 PM

QUOTE (Sassy Dingo @ 29/01/2013, 08:19 PM) <{POST_SNAPBACK}>
Or you could you know...rent.

Presumably still uninsured.

#14 Imaginary friend

Posted 29 January 2013 - 07:24 PM

If the bikes and furniture weren't insured it has nothing to do with owning or renting a house - that stuff is contents insurance, not house insurance. shrug.gif

So you are saying someone struggling financially, renting or owning, shouldnt buy their kids new bikes for christmas?

#15 B.feral3

Posted 29 January 2013 - 07:31 PM

QUOTE (Sassy Dingo @ 29/01/2013, 07:05 PM) <{POST_SNAPBACK}>
Because they got lots of government handouts last floods, they expect the same again.

If you can't afford insurance, you can't afford to have a house.

This thread is really gross.

#16 Chelli

Posted 29 January 2013 - 07:39 PM

Do we know for sure the people interviewed were the home owners or were they renters?

It is feasible they were renting, did not have contents insurance and have just lost everything they owned.

#17 50ftqueenie

Posted 29 January 2013 - 07:39 PM

QUOTE (Bek+3 @ 29/01/2013, 08:31 PM) <{POST_SNAPBACK}>
This thread is really gross.

Agreed.  This is a discussion for another time, not when people are still dealing with an emergency situation and a devastating clean up.  Have some effing compassion!

#18 Sassy Dingo

Posted 29 January 2013 - 07:40 PM

Contents insurance that I had 4 years ago in Toowong - so presumably very close to one of the areas flooding now was $220 a year.

$4.24 a week that works out to be. I realise that it would have gone up now, but even if it doubled to $10 a week...

I maintain that insurance is essential - I would eat rice for dinner every night to afford my insurance. You can't just leave your biggest asset unprotected.

To the PP who sarcastically suggested that these people shouldn't have bikes and buy their children gifts then if they can't afford insurance....Yes, because this happens and then they have lost everything. Children don't NEED bikes, but they need a bed and school books etc, now they don't even have that...

#19 ~Supernova~

Posted 29 January 2013 - 07:42 PM

QUOTE (Bek+3 @ 29/01/2013, 08:31 PM) <{POST_SNAPBACK}>
This thread is really gross.


And this is coming from someone who has ALWAYS made insurance a must, even as a struggling single parent. Another time maybe, but not now, it's tasteless and crass.

Edited by Mareek, 29 January 2013 - 07:43 PM.

#20 Expelliarmus

Posted 29 January 2013 - 07:44 PM

QUOTE (Sassy Dingo @ 29/01/2013, 08:19 PM) <{POST_SNAPBACK}>
Or you could you know...rent.

And that has nothing to do with losing clothing and furniture.

If they bought insurance, they'd have nothing to insure!!!

Even if they were insured, they'd need handouts quite frankly. Lots of flood victims from 2 years ago STILL haven't settled their claims!!!!

Edited by howdo, 29 January 2013 - 07:46 PM.

#21 JRA

Posted 29 January 2013 - 07:44 PM

This thread reminds me of a thread that KK started about fires years ago.

I think it easy to forget that people in these places cannot get insurance.

Having lived in rural area where the "best" land was flood plain, there were various people who lived on the flood plain. They would roll up the carpets etc etc when the flood was due, and the houses were not built in the areas where current was strong.

I think planning has a lot to answer for that houses are allowed be built in such flood prone areas without the people understanding the real impact of it.

#22 purplekitty

Posted 29 January 2013 - 07:46 PM

QUOTE (Sassy Dingo @ 29/01/2013, 07:40 PM) <{POST_SNAPBACK}>
Contents insurance that I had 4 years ago in Toowong - so presumably very close to one of the areas flooding now was $220 a year.
I don't think you are listening.
These people may not to be able to buy insurance even in they can afford it.
Their homes and/or contents are uninsurable.

They may be unable to sell their houses or afford to rent elsewhere.
Think about it.

#23 bakesgirls

Posted 29 January 2013 - 07:47 PM

Reading the OP just made me feel sad. I hope you are never in the position of being unable to get insurance then to add insult to injury, lose everything you own through an act of nature.

ETA- when we first moved to the area we are in now, it was in the midle of bush fire season. We could not get insurance at all, through anyone. They had put a blanket ban on new policies in the area. The only policies that would cover anyone were pre -existing ones. We were told to call back a few months later to see if the bans had been lifted. Thankfully when we called a few months later as had been suggested, we were able to take out insurance. It was plain luck that nothing had happened to our home in the period between when we could get coverage and when we were refused coverage.

Edited by bakesgirls, 29 January 2013 - 08:33 PM.

#24 Feral timtam

Posted 29 January 2013 - 07:49 PM

You do know you can get a three room furniture bundle from Fantastic Furniture for LESS than what most households pay for a years car insurance? Heck, for what our household pays a year for vehicle insurance you can actually get some pretty nice stuff from Fantastic Furniture!
Depending on the age of the kids those new bikes might only represent $200 or so, money that a even family on welfare can usually find for Christmas presents.

In some areas of QLD the quotes for insurance premiums that include flood cover exceed the cost of a new car, a lot of people can't afford that sort of money. Not when the house they're insuring is worth less than $300 000 thanks to the floods in recent years.

#25 Aquarium

Posted 29 January 2013 - 07:51 PM


Really those who say they can't get insurance, they need to reassess as the govt forced insurance companies to offer flood cover in 2012. The insured can opt out with some companies and not with others so people need to look around and buy according to their own circumstances.

1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users


Newborn baby found in a nativity scene

Police are trying to trace a woman who abandoned a baby boy in the manger of a church nativity scene.

Life would be harder without my kids

The Humans of New York Facebook page is well known for sharing touching, real stories from one of the world's biggest cities – and it's just hit the heart of parents everywhere.

Mum dresses as Wonder Woman for last day of chemo

A Brisbane mum dressed up as a superhero to celebrate the end of her chemotherapy and created a moment her family will remember forever.

How a raisin can predict a toddler's IQ

All you need to assess a child's future intelligence is a plastic cup and a raisin, according to new research.

Former Hi-5 member's cannabis hope

Former Hi-5 star Tim Harding hopes a cannabis-derived drug will help control his daughter's epilepsy, which sees the four-year-old suffering between 50 and 100 seizures a day.

The top 5 reasons your toddler throws a tantrum

Whilst to the outside world little people may appear to have it easy, it's actually not always the case – just ask any toddler who's had their toast cut up the wrong way.

Glenn McGrath thought he'd lost his wife and baby

Australian cricket ledged Glen McGrath has spoken about the moment he thought he might lose his wife, Sara and their baby daughter, Madison.


Inside my Centrelink nightmare

Mother Bec Smith has been trying for months to access Centrelink payments. A "serious error" is preventing her.

Warnings over push for hourly childcare billing

Australia's peak childcare body has called for caution around the Turnbull government's push for childcare centres to charge parents by the hour, not by the day.

Cate Blanchett thought about adopting for years

Cate Blanchett says her recent adoption of a baby girl had nothing to do with wanting a daughter after having three sons.

Kate Walsh: 'I can't have kids'

Grey's Anatomy star Kate Walsh has revealed she is unable to have children because she has experienced early menopause.

The parasite that could boost fertility

The Tsimane women of Bolivia are often revered as among the most fertile in the world - on average having 10 children in their lifetimes -- but some are even more fertile than others.

Family may sue cousin over genetics

A Melbourne couple is suing the Royal Children's Hospital for failing to diagnose a genetic disorder in their first child - an error they allege caused them to have another child with severe disabilities.

Strange things mums have done in labour

While most women in labour focus on the upcoming birth of their baby, some women do more interesting things.

Michael Clarke reveals baby's name

When Michael Clarke said he was wrapped around the finger of his little princess, he wasn't joking.

The logistics of breastfeeding twins

Our life is more or less divided into neat four hour parcels of time and it's hard to get much of anything done in the time between feeds.

How to stop people ruining Christmas

We can make a conscious effort about how we react to those curly Christmas day scenarios that can send us up the wall, or should we say chimney.

Lots of formula offers for desperate mum

The mum who was down to her last three tins of baby formula said she had received hundreds of calls and offers to send her formula.

Surviving breast cancer while pregnant

It was last thing Rebecca O'Donnell expected at 30 weeks' pregnant. One morning, while putting on her bra, she felt a pea-sized lump in her right breast.

Cot sheet brands for the nursery

With so many awesome cot sheet options these days, we thought we'd put together a list of go-to brands for you to seek out for your baby's bed.


What's hot on EB

How I survived breast cancer while pregnant

It was last thing Rebecca O'Donnell expected at 30 weeks' pregnant. One morning, while putting on her bra, she felt a pea-sized lump in her right breast.

Grieving father's letter to Bataclan terrorists: "...this little boy will threaten you by being happy and free"

A grieving father whose wife was killed in the attacks on the Bataclan Theatre last weekend has written an open letter to her killers.

5 challenges of motherhood - and how to see them differently

Despite the smiles, the sloppy kisses and the pure magic children bring to our lives, it's hard to deny that motherhood can be tough.

4 challenges of being a new dad - and how to face them

Becoming a parent is challenging – and that applies to both mums and dads.

My battle against antenatal and postnatal depression

I was five months pregnant when I realised I needed help.

Children swapped at birth will not be returned to biological parents

A boy and girl accidentally swapped on the day they were born will stay with the families who have raised them, a South African court has ruled.

A quarter of men believe they get 'man periods'

A British study has revealed one in four men believe they have a monthly cycle.

Baby deposit

How much do you need to save for a 'baby deposit'?

It's fairly straightforward to calculate a house deposit, but how much money do you need to save up for a baby?

Dad's beautiful note to his wife, a nurse

To anyone else it might just look like a picture of a mum having a nap with her toddler.

'I was a complete schmuck': Mike Baird opens up about his wife's postnatal depression

When his wife Kerryn was not well following the birth of their daughter, NSW Premier Mike Baird buried himself in his work.

Mum's desperate plea as whooping cough alert issued

A desperate mother has shared a heart-breaking video of her baby struggling to cope with a coughing fit caused by pertussis.

Coffee could help you live longer

New US research found people who report drinking three to five cups of coffee a day are less likely to die prematurely from heart disease, suicide, diabetes or Parkinson's disease.

The joy and dread of playdates

To live vicariously through your child is to rediscover anxieties you thought dead and buried.

Sick baby could die without scarce special formula, mum says

Lizzie Cann is down to her last three tins of a special formula in short supply.

Adorable toddler's strop foiled by squeaky shoes

We're probably all familiar with the pouty bottom lip and tightly crossed arms of a tot mid-strop.

More sex during World Cup created more baby boys

More sex during South Africa's World Cup meant a disproportionately high number of boys were born nine months later, a new study has found.

Win one of two ABC Shop prize packs in time for Christmas

What a boon it would be to have your toddler's Christmas gifts covered this year. We have two awesome ABC Shop prize packs to give away to two lucky winners.

Do fitness challenges really work?

Fitness challenges aren't new. There's Michelle Bridges 12WBT and a bunch of other programs if you really want to lose weight.

What are pregnant women Googling?

Pregnancy is a huge change for any woman, so it's natural we'll have questions - and turn to Google to ask them.



Can't decide?

Check out the Essential Baby Names section for some inspiration

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.