It would be hard to beat this service

Very hard to beat! A decent insurance company not trying to wiggle out of something.

First thing they check when you ring is how long you've been with them. If you are loyal, they are too.
I am repairing a structure damaged in last week's Brisbane storms. Circa $a1m repair job. The cleanup last week was nearly $200k. No quote no tender, just 'look after our loyal clients and we will have a quantity surveyor look over your invoices - have a nice day' .....
You are probably not an aggressive consumer who chops and changes insurers for the best bottom dollar and are reaping the rewards of that.

Good to hear.

Their quotes have always been OTT for me.

My father had a bingle and went to claim and AAMI said 'you haven't paid the renewal premium'. He said the notice never arrived and they accepted the claim anyway.

Personally, I think insurance companies get a bad wrap! Essentially like banks, blamed for everything that goes wrong, or not the way of the consumer, without real regard for the underlying facts.

The thing about insurance companies is that if they didn’t meet claims no-one would waste their money insuring anything – so both consumer and provider are dependent on each other fulfilling their obligations.

Great to hear about this outcome!

Cheers, Baz – The Landy

I recently had a claim for Water in my deisel. There was no apparent damage to the vehicle engine etc but a bit of work required to remove the tank etc. Anyhow GIO covered the lot, no excess. I asked them what happens if some sort of damage was done to the injectors, pump etc that hadn't shown up. The gave me a written guarantee that this was a lifetime warranty on the repairs and if anything did show up, they would fix it!

Certainly sounds like they have a similar system in place.

Step-FIL's rental house was torched in September. Fortunately was between tenants, although the incoming ones had moved quite a bit of their possessions in and were literally 24 hours from occupying.

CommInsure were contacted, took all the details and they advised they had an "under-insurance" clause. I've met these before, where they reduce the payout in proportion to their assessed level of under-cover. Nope, this was the opposite - if they deemed the loss/damage exceeded the insured sum, they would pay out up to a maximum of 25% ABOVE the insured sum. And they did. We are still (pleasantly) surprised.

It is not unheard of to have a Patrol spring pad let go. Can't see how a Roo strike would cause that. Keep a good check on the other side. The Roo may have hammered it too.

My son recently had flood damage to his engine 50 mm of water in the air cleaner box and the filter had to be rung out , he started the engine to move it out of the flood water and it started missing , he is not mechanicly minded at all and continued to drive home on 3 cylinders .

On arrival the engine was knocking it's brains out .
I called AAMI who said yes we will cover the damage , it went to a mechanical repairer of their choice as they wouldn't let me take it to a Diesel mechanic of my choice , they stripped it down and and said its not consistent with water damage so you will have to pay for it your self , the verdict was we could't see any water in the engine only the intake , they said it was a bearing .
2008 Hilux 140,000 kms on the clock , $7'000.00 later
Not happy

Hilux

Could have been a result from the previous accident weakening it. Not totally uncommon for them to crack or bend quite a few people get the Superior Engineering coil tower brace fitted to prevent it happening. I believe there are at least 3 different brands on the market to suit GQ ,GU trolls. Also some of the GQ's had the same problem after a certain year but my 93 model apparently is fine. Strange though vehicles are getting heavier with each new model released but some previously known faults aren't being rectified to suit.