Allianz insurance - suspension confusion...

Submitted: Friday, Jan 14, 2005 at 07:31

ThreadID: 19352 Views:3451 Replies:4 FollowUps:8

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Member - Chrispy (NSW)

Hi all

I just got an online quote from Allianz Insurance for our fouby. It's a very comprehensive form that you fill out - and for once it had lots of 4WD-specific questions in regards to accessories and such. In the accessories list, these was an entry called "Country-Pack Suspension", to which I answered "Yes" as I have an OME kit fitted that doesn't raise the car by any more than 15mm over standard, but gives me greater load-carrying capacity in the stiffer springs and shocks.

Further down the form, there was a separate question that asked if the suspension is "modified". I answered "yes" because of the first question in regards to the Country-Pack and then asked the system to produce a quote on the supplied spec.

I was REFUSED as I had "modified" suspension!!!!

I went back and un-checked the "modified" option and all was OK after that.

I'm confused here - why would they give you the option of the "Country-Pack Suspension" which is OK by them if you don't say it's been "modified"? What gives? Are they suggesting that "modified" suspension consists of altered geometry (springs longer than, say, 110% over standard and spring spacers) and that a heavier-riding set of OME's is OK?

Anyone had a straight answer from them?

Cheers
Chris

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Reply By: Wayne (NSW) - Friday, Jan 14, 2005 at 08:26

Reply By: David Au - Friday, Jan 14, 2005 at 08:49

Friday, Jan 14, 2005 at 08:49

Consider perhaps that you have been *MOST FORTUNATE* being refused insurance by Allianz Insurance - my worst nightmares were over this so called insurance company. I have met so many that are disgusted with Allianz Insurance.
They have done you a favour refusing you.

AnswerID: 92945

Follow Up By: Member - Chrispy (NSW) - Friday, Jan 14, 2005 at 09:48

Friday, Jan 14, 2005 at 09:48

Do you wish to elaborate...at least in your case?

Cheers
Chris

FollowupID: 351927

Follow Up By: Truckster (Vic) - Friday, Jan 14, 2005 at 10:00

Friday, Jan 14, 2005 at 10:00

You will get stories like this from EVERY insurance company.. EG AAMI..

Try Unique car insurance, Just car insurance, or even TCIS...

FollowupID: 351935

Follow Up By: firestang - Friday, Jan 14, 2005 at 10:09

Friday, Jan 14, 2005 at 10:09

While looking for insurance for the new car i found that one of my wifes freinds works for Allianz ,great i thought we will get looked after pfftt not likely . Even her familly insures with someone else ,she says however they are good for house insurance but very expensive for cars.

FollowupID: 351939

Follow Up By: Member - Chrispy (NSW) - Friday, Jan 14, 2005 at 10:11

Friday, Jan 14, 2005 at 10:11

Truckster - absolutely you will. There is no such thing as 100% performance (in the view of the policy holder) in every case... there are just too many variables.

In regards to TCIS - a mate of mine drowned his 60-series up at Stockton (in the lake) which was a dumb thing to do, and TCIS would NOT come to the party - and only offered him 50% of the replacement cost of the engine with an OLD engine. Not very good - he had to go and buy a pranged 60-series and we did the engine swap ourselves - and only then would TCIS pay up the 50% of the ESTIMATED worth of the donor engine. Duh.

Also, I applied for a quote online with TCIS and they never came back to me with an emailed response (as the site promises). I called them to find out why and they told me that they hadn't even seen the request! This was a full day later! Their response was just dumb...."uhhmm.... dunno what happened.... do you want a quote mate?" I told themI'd be going to someone at least the slightest bit professional.

FollowupID: 351940