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#1 StillDreaming

Posted 11 August 2019 - 08:48 PM

Can anyone recommend a car insurance provider that has been reasonable to deal with, good cover and decently priced?
I’ve recently had to make my first claim on my house insurance policy and it’s made me think a bit more seriously about who I am with. I understand you get what  you pay for and I think with my current insurer that may not be much...
Any feedback on RACV?
Thanks.

#2 Living Type

Posted 11 August 2019 - 08:56 PM

I’m with Allianz. They were very helpful and paid claim on contaminated fuel recently, apparently not all insurers cover this. I have also claimed with them for replacement windscreen with no excess. Definitely recommend.

#3 StillDreaming

Posted 11 August 2019 - 09:04 PM

Thanks! I thought Allianz might be recommended because they were the most expensive ones I got a quote for 🤦🏼‍♀️🤣. I have been dealing with them for my house insurance though and while I have nothing to compare it to, they’ve been pretty good - albeit a bit slow!!

#4 just roses

Posted 11 August 2019 - 09:12 PM

We’ve claimed with both AAMI and Suncorp without drama.

#5 Luci

Posted 11 August 2019 - 09:16 PM

DH & I are with NRMA. Have made several claims & they have been pretty good.

#6 Living Type

Posted 11 August 2019 - 09:20 PM

View PostStillDreaming, on 11 August 2019 - 09:04 PM, said:

Thanks! I thought Allianz might be recommended because they were the most expensive ones I got a quote for ‍♀️. I have been dealing with them for my house insurance though and while I have nothing to compare it to, they’ve been pretty good - albeit a bit slow!!

Ooh, it might be time to check the prices again

#7 WannabeMasterchef

Posted 11 August 2019 - 10:24 PM

View PostLiving Type, on 11 August 2019 - 08:56 PM, said:

I’m with Allianz. They were very helpful and paid claim on contaminated fuel recently, apparently not all insurers cover this. I have also claimed with them for replacement windscreen with no excess. Definitely recommend.

Hello I sent you a PM. Wondering how common contaminated fuel is!?


--
OP the above is correct. Check your insurer covers this especially if you have a diesel.

#8 blackcat20

Posted 11 August 2019 - 10:33 PM

I'm with Gio, they have been surprisingly cheaper than other insurers including Coles. including windscreen and new for old for the life of the car.

#9 -Emissary-

Posted 12 August 2019 - 12:25 AM

I’m with NRMA, Gio and AAMI.

My claim experiences with all three have been pretty good. I can’t really fault GIO or AAMI. We average 1 claim per year (most of time not at fault) and it’s been pretty painless and fast.

#10 BornToLove

Posted 12 August 2019 - 02:42 AM

We’re with RACV and I have no complaints. Both for car and home contents (we rent). We get a multi-policy discount as well as discounts for paying for the year in advance. Very helpful with a contents insurance claim a few years ago.

I do find regardless of your insurance provider it really does pay to shop around, or at the very least calling your current provider annually to ensure you are getting the best rate for the coverage you need.

#11 MakesMeHappy

Posted 12 August 2019 - 06:09 AM

We are with AAMI and have made multiple claims. They have always been great and easy to deal with and all claims paid quickly and painlessly.



#12 Lucla

Posted 12 August 2019 - 06:10 AM

We are with RACV and I really recommend them. Their claims process is really easy and I have had no problems the 2 times I have had to claim.

Unfortunately, I cannot rate Allianz at all, they were an absolute nightmare to deal with during our home break in insurance claim and I left them as soon as I could.

#13 Fossy

Posted 12 August 2019 - 07:01 AM

Speak to a panel beater if you know one, a great wealth of knowledge.
I’ve just had a horrific experience with RACV for a minor claim, it’s taken over 6 months, three botched repairs and ended up at the ombudsman.  
I have since learnt RACV are owned by IAG, along with nrma and a few others, they’re a listed company and profits are their number one priority. They’ve capped pay outs to panel beaters forcing them to cut corners to make their own profit.
Panel beater friend told me the group that owns AAMI, I think Youi and budget too, cut payouts by 25%. He said the last job he did for AAMi they demanded he source a second hand bonnet to save $40. He stopped doing their work after that.

Long story short he said Allianz and CGU were the best, didn’t cap payouts or require second hand part sourcing.
I have just switched to Allianz.

#14 *melrose*

Posted 12 August 2019 - 08:47 PM

I'm with RACQ and have no problems what's so ever, I brought a new car around 5 months ago and they have been excellent.

#15 SeaPrincess

Posted 12 August 2019 - 10:44 PM

View Post-Emissary-, on 12 August 2019 - 12:25 AM, said:

We average 1 claim per year (most of time not at fault) and it’s been pretty painless and fast.

How? I’ve been driving for over 30 years and I’ve never made a claim! I have just made my first ever claim on home insurance.

#16 StillDreaming

Posted 14 August 2019 - 01:48 PM

Thanks everyone! I think I might try and speak with a panel beater or something similar to see what they say. Otherwise perhaps I’ll give Allianz a go and see if I can get a discount having both car and house with them.

#17 cstar

Posted 14 August 2019 - 02:16 PM

Were with RACV, 3 cars, house, and landlord insurance.

My DH's car insurance came and it went up so I called them, she made a few changes ie. number of ks he does (not very much) and it went down by $150 so very happy with that.

We've had a few non fault claims over the last few years with no issues what so ever.

#18 Veritas Vinum Arte

Posted 14 August 2019 - 02:16 PM

I was with RACV but would never go with them when after an accident their approved repairer gave me back a non roadworthy car andI was lucky I insisted the car was wrong and had an engineer look at my car who said the chassis was wrong and the wheels were about to fall off. Repairer had claimed all this work was done and hadn’t done it (so fraudulent). I formally complained, but the repairer is STILL on their list of approved preferred repairs.



#19 StillDreaming

Posted 14 August 2019 - 05:32 PM

View PostVeritas Vinum Arte, on 14 August 2019 - 02:16 PM, said:

I was with RACV but would never go with them when after an accident their approved repairer gave me back a non roadworthy car andI was lucky I insisted the car was wrong and had an engineer look at my car who said the chassis was wrong and the wheels were about to fall off. Repairer had claimed all this work was done and hadn’t done it (so fraudulent). I formally complained, but the repairer is STILL on their list of approved preferred repairs.

That’s so scary!!

#20 Veritas Vinum Arte

Posted 14 August 2019 - 08:32 PM

Yes. Very dissatisfied with what happened and the fact that the fraudulent company is still their preferred repairer.

#21 snowflakedoll

Posted 14 August 2019 - 09:02 PM

We are with RACV after ringing around for different quotes and they came in the cheapest. We’ve been with them for 4 years.

Last year my husband has two accidents in two weeks (not his fault both times). Our VW golf is now in immaculate condition, no complaints at all with the workmanship and an easy process with RACV. The only problem we had was with reimbursing us for new kids car seats (it took a while).

ETA we’re in Melbourne.

Edited by snowflakedoll, 14 August 2019 - 09:02 PM.


#22 -Emissary-

Posted 15 August 2019 - 01:38 AM

View PostSeaPrincess, on 12 August 2019 - 10:44 PM, said:



How? I’ve been driving for over 30 years and I’ve never made a claim! I have just made my first ever claim on home insurance.

Not me personally. I haven’t had to make a claim.

Unfortunately my brother and my mother have the worst luck.

- They have been rear ended a few times. One time my mum got rear ended twice within the space of 6 months
- Another time someone changed lane and crashed into my brother. Luckily he has a dash cam and could prove that
- One time the car was parked on the side of the house and our neighbour backed out of their drive way and right into our car.

The only one accident that was my mum’s fault was when she pulled out of a parking space too quickly. The other car didn’t give way so they collided. Her fault obviously but it was her only at fault claim for the last 10 years.

I’m usually the one who handles all the paperwork so am well experienced in dealing with insurance companies. :)

They’ve all been great when we need to claim and also when we need them to redo any repairs before accepting the car back.

Edited by -Emissary-, 15 August 2019 - 01:40 AM.





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