Wednesday, Jan 15, 2003 at 16:52
Rob
Sorry to take so long replying but have only just came across your question while looking for something else.
I had insurance cover through TCIS when my wife rolled our 4 yr old vehicle on the road to our property approx 300metres from our front
gate . She swerved to miss a branch that had fallen on the road.
It took us over 12 weeks to get paid out (the car was written off).
I contacted TCIS the next day had forms sent out,filled them in with all relevent
information & sent them off. Was told a couple of days latter that everything was OK (after speaking to an assesor & having vehicle assesed) and I should receive a cheque in approx. 2 weeks. 2 weeks no cheque, no call, nothing. Waited a couple more days still nothing rang TCIS who said they will find out whats happening and call back, next call was from an insurance investigator who said he had to come and talk to us about the claim.
After surviving the inquisition we were told that it should be finalised in another 2 weeks.
After 2 weeks without hearing anything I contacted TCIS again and was told that I needed a statement from my accountant advising of our GST position as the vehicle was used for business ( as we advised on both our insurance proposal and on the claim form). Got the form from accountant and sent in TCIS advised that everything is now in order and ( you guessed it ) we will receive a cheque in another 2 weeks.
After 2 weeks nothing. Usual routine rang TCIS who then said they needed a copy of rego papers.
Eventually ( after me now contacting them every second day ) we received a cheque. 12 weeks after the accident.
During this time we only had the
farm vehicles for transport ie truck & ute we are a family of 6 so had to travel with unrestrained children. Being 20km from nearest town with no public transport, taxi service or car rental place (who could afford to rent an appropriate sized vehicle for 12 weeks anyway). Our children had to forego many sporting activities and social outings as we didn't want to risk travelling with unrestrained passengers.
I suppose what really annoyed me was that TCIS who receive commission from my premiums did nothing, I had to continually ring them and not once did they know what was going on with my claim. All the things that were needed were standard requirements which if asked for initially could have been provided within a week.
This accident was straight forward & on a
well used gazetted local road , goodness knows what it would have been like if it was in the middle of
the desert somewhere.
Needless to say our new vehicle is now insured with some else. ( Our local Elders rep who I know and can talk to face to face).
AnswerID:
11338
Follow Up By: Rod - Friday, Jan 17, 2003 at 00:56
Friday, Jan 17, 2003 at 00:56
Dingo
Thanks for your reply - doesnt really fill you with confidence hearing stories like your's i must say. I am in
sydney and insured with N.R.M.A.
In their policy booklet that came with their policy renewal there is a clause refering to what they will not cover, it states : We may refuse a claim if your vehicle” was being used for club events relating to a motor vehicle club, bash or charity event (unless you have told us your vehicle will be used for any of these purposes and we have agreed to cover it.)
I rang them and told them i was a member of a 4wd club and would be taking my car off road when doing club trips , was that o.k. (I'm generalising here), i was more specific with them. They replied that a large proportion of their insurance is now 4wd vehicles and that they would consider it normal for these vehicles to be operated occassionally off a formed road, and as i was in a club and had received
driver training should not take unnecessary risks, they would cover the risk.
On that basis i have reinsured with them + written to them with the same info so it will be on record that i was up front with them.
See how it goes !!!!
FollowupID:
6344