NRMA Greenslip Insurance
Submitted: Wednesday, Aug 27, 2008 at 09:36
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Member - Duncs
I just got off the phone to the NRMA.
It's time to renew the rego on the Patrol and I was horrifed by the cost of the renewal of the CTP Greenslip $541 so I rang the NRMA to find out what was going on.
It seems my claim for a roo strike a couple of years ago has affected the cost of my insurance, despite a lifetime max no claim bonus. I expressed my quietly expressed my displeasure. I have heaps of insurance with NRMA house & contents, 3 cars, 3 greenslips so I expected a bit better treatment. I was put through to a more senior operator. She had a quick look at my case and issued a new quote $359. No harsh words I just asked a couple of questions and it is all good. I was a bit upset that I had to ask the questions but the end result is fine.
Just shows, it pays to ask, that phone call just saved me $200. I am happy.
Duncs
Reply By: Member - Mark G (NSW) - Wednesday, Aug 27, 2008 at 09:42
Wednesday, Aug 27, 2008 at 09:42
DUNCS
great outcome but as you said, why couldn't they have given you the low price first?
makes you wonder IF they are really looking after you,doesn't it?
stick it to em' i say!!!
AnswerID:
322431
Reply By: Michael ( Moss Vale NSW) - Wednesday, Aug 27, 2008 at 10:07
Wednesday, Aug 27, 2008 at 10:07
I cant see the tie up between the green slip and you claim for a roo strike.. Unless you claimed for an injured person in the vehicle, whats it got to do with the green slip.. I would have to say the same, hardly looking after you, its just grab for cash.
Duncs, especially for a green slip. i would have walked if i could find a similar low price to show your concern. Did you ask whats the tie up between the green slip and your claim,, cos i cant see it. The hide of them.. Michael
AnswerID:
322439
Follow Up By: Member - Duncs - Wednesday, Aug 27, 2008 at 10:30
Wednesday, Aug 27, 2008 at 10:30
Michael,
I too was struggling to see the connection but on each insurers web page there is a question relating to at fault accidents in the last 2 or 3 years so it must be important to all of them.
The other problem I have is that I get a discount on my comprehensive insurance because I have a greenslip with the NRMA. Any of the other greenslip providers would have to beet the NRMA by the amount of that discount, none do.
Duncs
FollowupID:
589485
Follow Up By: The Landy - Wednesday, Aug 27, 2008 at 13:38
Wednesday, Aug 27, 2008 at 13:38
I was alerted to this some time ago when I was going to make a smalish claim for some mionor damage to one of my vehicles. The insurance company had no problem with the claim, but highlighted that whoever provided a greenslip at the next renewal would most likely increase it because I made a claim under a policy.
FollowupID:
589511
Follow Up By: bob&loz - Wednesday, Aug 27, 2008 at 18:33
Wednesday, Aug 27, 2008 at 18:33
Duncs
You still did not get any discount for having other policies with them because I have my renewal from NRMA in front of me and it is $359.66 and I dont have any others with them.
Just renewed it with GIO for $314.10
What I have had happen for the last few years is that I get a renewal and if it is not paid by the due date I get a phone call offering 10% discount if I renew straight away so now I always wait.
Bob
FollowupID:
589546
Follow Up By: bob&loz - Wednesday, Aug 27, 2008 at 18:35
Wednesday, Aug 27, 2008 at 18:35
Woops discount on other policy not CTP sorry
Bob
FollowupID:
589547
Follow Up By: Member - Mike DID - Thursday, Aug 28, 2008 at 07:19
Thursday, Aug 28, 2008 at 07:19
"What I have had happen for the last few years is that I get a renewal and if it is not paid by the due date I get a phone call offering 10% discount if I renew straight away so now I always wait."
- so you risk driving around uninsured to get a discount ?
FollowupID:
589627
Reply By: Member - Madfisher - Wednesday, Aug 27, 2008 at 10:22
Wednesday, Aug 27, 2008 at 10:22
Similar thing happened to us. Got some quotes then went to see them and achieved a similar saving.
Cheers Pete
AnswerID:
322441
Reply By: Member Jo (Bris) - Wednesday, Aug 27, 2008 at 10:42
Wednesday, Aug 27, 2008 at 10:42
HAHAHAHAAA! Oh Oh Oh Rolling on floor laughing!!!!!!
Oh that was too good and you don't even know what you've done!!!!!!
Your last quote "that phone call just saved me $200. I am happy."
That sounds just like their dodgy tv and radio ads! "with that $200 I can buy the car stereo I have dreamed of"
HAHAAAAAA!!!!!!!!!
But seriously... I am with NRMA, haven't had any dramas, except for one time only when it came for paj policy renewel and they decided to drop my agreed value of $16,991 down to $10,000 even.. then they copped a phone call from me and agreed to change the agreed value to $15,000. That's more like it.
AnswerID:
322443
Reply By: Gazal Champion - Wednesday, Aug 27, 2008 at 10:48
Wednesday, Aug 27, 2008 at 10:48
Hi Dunks,
Hitting a roo is hardly an at fault claim, though I can see how they might try it on. This is a constant hazzard once away from the city. I live in the bush so I get more than my fair share of near misses and plenty of strikes too. The bull bar on the cruiser is not there for decoration.
This incident begs the question, are they hoping it will slip under the radar in a busy office or lifestyle or were they hoping you just couldn't be bothered contesting their new fee. Why didn't they increase the fee last year?
One cannot but come to the conclusion that these organisations are trying it on.
Its been happening a bit lately with various organisations.
Perhaps they are looking enviously at the Banks record profits and thinking they will have a piece of the pie also.
It Pays to be vigilant does it not.
Regards,
Gazal
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AnswerID:
322444
Follow Up By: Member - Duncs - Wednesday, Aug 27, 2008 at 10:57
Wednesday, Aug 27, 2008 at 10:57
That was my thought exactly Gazal.
What gets me is if they had put it up by $40 I probably would not have noticed but in my budget $200 is something that will show up and needs to be justified.
My point in the post is 2 fold.
One keep yuor eyes open and 2 don't be afraid to question. I did not have to get angry I did not even have to threaten to withdraw my custom. I merly asked why the online quote was $200 less than the renewal I got through the post.
The daughter's car is due next month, I guess I will make another call.
Duncs
FollowupID:
589491
Reply By: Member - DAZA (QLD) - Wednesday, Aug 27, 2008 at 14:44
Wednesday, Aug 27, 2008 at 14:44
Hi All
Insurance Companies prefer to give better deals to new Customers,
to get them into there clutches, I have found, if you get get your
Renewal Notice, ring them up and ask for a Quote, dont tell them
you are allready with them, when you find out how cheaper the
Quote is to your existing Policy, then you ask them to match your
Renewal Notice you have just received and also get them to throw
in a free Windscreen Cover if they still want your business,
they will do it, knowing that they can rip off some other Policy
Holder, who does'nt bother to query there Renewal Notice.
Cheers
Daza
AnswerID:
322464
Reply By: Member - Gary W (NSW) - Wednesday, Aug 27, 2008 at 19:39
Wednesday, Aug 27, 2008 at 19:39
Just checked the NRMA website for a CTP quote...
If you tick the box "any at fault claims in last 2 years", then the quote is $500.
If you don't tick the box, then the quote is $288
Big difference for something that should only apply if someone has been injured.
This didn't happen when CTP was part of the actual rego cost.
Gary.
AnswerID:
322509
Follow Up By: Member - DAZA (QLD) - Wednesday, Aug 27, 2008 at 20:26
Wednesday, Aug 27, 2008 at 20:26
Talking about Insurance, we have a Public Liability Insurance for our
Business,Twenty Million Dollars which is mandatory with our clients,
the excess is a bit strange, we have to pay the first $1000-00 for
Property Damage, and only $200-00 for Injury or Death, apparently
they think more of peoples property than lives.
FollowupID:
589573
Reply By: Member - Mike DID - Thursday, Aug 28, 2008 at 07:25
Thursday, Aug 28, 2008 at 07:25
Keep in mind that at the end of each month, the Insurance Division Manager has to report on how much he has increased the profit of his Division.
He can do this by -
- increasing revenue from Policy sales and renewals or
- by reducing the costs in paying claims.
It's up to you, to make sure that money doesn't come out of YOUR pocket.
AnswerID:
322580
Reply By: Kiwi & "Grenade" - Thursday, Aug 28, 2008 at 09:15
Thursday, Aug 28, 2008 at 09:15
I had the same thing happen to me...been a member for wonks...10yrs I think...had all insuranes etc from them.....the claim we made 18 months ago affected our green slip....I didnt renew it cos we traded the car in but when it omes time in october Im going to make sure I ask the same questions......
cheers fo the heads up...! Now I know why
mine was so much more than normal.....
AnswerID:
322595
Reply By: Ron173 - Thursday, Aug 28, 2008 at 09:42
Thursday, Aug 28, 2008 at 09:42
I had the same issue with a windscreen!!!!!!!!!!!!!!!!!
Erm Hello? how is a windscreen an at fault claim, especially with windscreen cover.
Put thru to senior manager who gave me the bull that the computer just picks up on the claim, as they (insurance companies) are all inter related re claims, so they all know if you claim.
End result, the loading was removed, but only cos I rung up.
CTP biggest scam going IMO, if fully comp was proper fully comp, you shouldnt need any other insurance. (as is in UK)
Anyway, save yourself the runaround on CTP in NSW and go here, this site will quote you on about 7 of the major companies, in a flash too.
http://prices.maa.nsw.gov.au
rgds
Ron
AnswerID:
322600