Car Insurance

[Drewboyaus]

Hope no-one was hurt....

Not obviously thanks Kat. We'll have to all go and get checked out though as it was a bloody decent wallop from behind.

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[katwoman]

Not obviously thanks Kat. We'll have to all go and get checked out though as it was a bloody decent wallop from behind.

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Good to hear.. Does scare the crap out of u tho.

[porkroll]

Nobody wants to insure my GU for agreed value. Market value is (apparently) between $10,000 and $15,000. I looked for months and coulndnt find a patrol for that sort of money.. Anyway, even though it is only slightly modified no one will touch it. Who do u guys use? Have tried Shannons and Ryno, as well as the usual. aami etc. They all say it is too old and not worth the money. (idiots) Like to see them buy one for under $15,000.

Talk to shannons, ppl say they are more expensive but they're not really, others make you pay extra for extras ( lol) but you get it all with shannons, not extras just a part of the policy, they insured is always agreed, and it was easier for the guy to tell me what I was not covered for rather then what I am, being everything, included contents of car trailor and contents, didn't cover for driving in time attack, & or closed roads, that was about it, insured for $14700 and as for mods adds to value if legal, had a few cars with them never had a problem, oh and I think it's $900 & something a year and no extra for monthly etc, and I'm in no way have anything or work for or with them.
Hope this helps, cheers

[jack]

I have mine with Allianz. I am an insurance broker any we place nearly all of our sedans, wagons etc with them as they are by far the best we can deal with for claims service and handling on light vehicles i.e. anything under 2 tonne carry.

Sorry hempo,
I have to disagree with you re Allianz, they are by far the worst insurance company I have ever dealt with and would never recommend them. I went with them even though they were over $100 dearer on the quote on the advise of my insurance broker. Reason was they offered complete new replacement for the first two years as my car was brand new. I had to list all my accessories etc.
All was good until I had an accident that wasn't my fault, you can read about it in one of the other posts. The other driver admitted liability in front of witnesses, nearly six months later he changes his mind and makes a claim against me. Cut a long story short Allianz threw me to the wolves and sided with him, this was my first claim in over 40 years of driving. No interest in the independent witnesses as they didn't actually 'see' the accident just heard him admit liability afterwards. They were complete idiots and couldn't even work out where Cape York was, said I should have called the Police. I wasn't expecting to hear from the other driver again as he admitted liability, also they couldn't fathom that there were no Police within 300km. They also told me it wasn't unusual to have claims come in 6 months later.
My insurance broker and I fought tooth and nail but Allianz said they would not cover my legal fees if I went to court. My damage was minimal to the back of my caravan, I ended up paying the excess as it was the cheapest option. The insurance ombudsman said I had a case but by this stage I was well and truly over it.
When my renewal came it went from $600odd to $2,400 - just to get rid of me.
Went back to my old insurer and still have agreed value of $60,000 for $600 odd, and they know I made the Allianz claim.

Also my insurance broker is also my son and has been in the industry for over 12 years so he had my best interests at heart.

[katwoman]

Talk to shannons, ppl say they are more expensive but they're not really, others make you pay extra for extras ( lol) but you get it all with shannons, not extras just a part of the policy, they insured is always agreed, and it was easier for the guy to tell me what I was not covered for rather then what I am, being everything, included contents of car trailor and contents, didn't cover for driving in time attack, & or closed roads, that was about it, insured for $14700 and as for mods adds to value if legal, had a few cars with them never had a problem, oh and I think it's $900 & something a year and no extra for monthly etc, and I'm in no way have anything or work for or with them.
Hope this helps, cheers

You are absolutely correct. I have been with Shannons for a few months now, and were easy to deal with when I had a claim after only 2 months with them.

[hempo]

sorry to hear about that Apollofish, as you noted though paying the Excess is the only way if the other party disputes. If it does go further an your insurer wins then you are entitled to your excess back. However if the courts apportion the blame then no excess refund.

Sorry to hear Drewboyaus, glad everyone is okay. I had my previous car with QBE for a year, claimed a windscreen they tried to get me to pay my excess. I said no I had cover, they said no you don't, what the person on the other end didn't realise was I was the broker and logged directly into the claim from my end and can read everything they could. Don't you love arguing with someone when you are both reading the same thing? They eventually waived the excess. I try not to put car insurance with QBE.

[Kai4x4]

I work for suncorp group as a liability. Recovery and settlement person I spend everyday speaking with other insurance companies and if I had to pick my top 3 worth companies youi would be first I would never insure with them as they have the highest rate if being issued legal proceedings against them and the court docs are served on the driver not the insurance company 2nd would be Qbe they are poorly trained and dont really undrrstand there own system. 3rd would be just car insurance (suncorp own this brand and yes I do work for them) there coverage is shit and there are so many loop holes for alot of basic stuff.

[Dave_H]

I've been with Allianz for 5-6 years and have had 2 claims and have had no issues at all.

I pay $1032 a year for An agreed value of 35k for with Allianz but have just completed a quote from real insurance for the same value but driven less K's

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I think i may need to look into this a bit more.

[Kai4x4]

You need to be careful cause if you only have coverage for 8.
,000 km you cant increase it it you hit it in like 4 months after you reach the amount your cover is over and you need to start a new policy or they wont cover you

[Dave_H]

I just brought another car for the missus so this will be lucky to do 8000 but ill prob go to 10,000 just to be safe which only makes it around $620, still major difference from $1032