Insurance nightmare

Submitted: Friday, Jun 12, 2009 at 17:50
ThreadID: 69758 Views:3120 Replies:9 FollowUps:11
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I am deployed to the middle east and figured I would spend some of my hard earned money on the accessories I allways wanted for my pride and joy, All paid for and looking great so I thought I would give my insurance coy (TIO) a buzz and see what difference it would make to my premium.

A few conversations and time on hold later and my insurance is now VOID! Thanks TIO.

I now have no insurance for the car and a kimberley trip coming up in a month when i get home.

Are there any insurers anyone would recomend that are a bit more understanding, the sticking point seems to be my age (24) they dont seem to care about a rating 1 65% no claim, no finance and a clean record, oh no you have diesel gas you must be a revhead????

Its dissapointing that I finally have the tourer I have allways wanted, ready to see the country and by being honest with my insurer now I have no cover.
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Reply By: The Top End Explorer - Friday, Jun 12, 2009 at 17:56

Friday, Jun 12, 2009 at 17:56
Try Bill at OAMPS he does all my insurance, I assume you are in Darwin.

His # is 89425025 I can even drown an engine or get washed off a Xing with mine.

Cheers Steve.
AnswerID: 369697

Follow Up By: GU_Goose - Friday, Jun 12, 2009 at 18:48

Friday, Jun 12, 2009 at 18:48
I just had a quick look at their website and I shall give them a ring on monday and see what they can do.
Cheers
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FollowupID: 637115

Reply By: BenDiD - Friday, Jun 12, 2009 at 18:10

Friday, Jun 12, 2009 at 18:10
You could also try TCIS who deal specifically with 4WDs. The website is TCIS.

Good Luck!

Ben
AnswerID: 369700

Follow Up By: GU_Goose - Friday, Jun 12, 2009 at 18:44

Friday, Jun 12, 2009 at 18:44
That was my first choice as they come highly recommended and will cover under 25's however you must have been a member of a 4wd organisation for at least 3 months before they will offer you cover, I will email them and see what they can do for me given the circumstances.
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FollowupID: 637114

Reply By: warfer69 - Friday, Jun 12, 2009 at 18:28

Friday, Jun 12, 2009 at 18:28
Hiya Goose

I am with these guys...


DGA

AnswerID: 369705

Follow Up By: GU_Goose - Friday, Jun 12, 2009 at 18:40

Friday, Jun 12, 2009 at 18:40
I have sent them an enquiry but they dont automatically cover under 25's so I dont know how that will go.
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Reply By: Member - Kim and Doug (QLD) - Friday, Jun 12, 2009 at 18:55

Friday, Jun 12, 2009 at 18:55
We are with AAMI and they are great for all our insurances, our F250 with heaps of extras is covered anywhere and it even includes hire car /accom costs as well which we are using at the moment after a slight problem near innamincka 4weeks ago.
AnswerID: 369710

Follow Up By: On Patrol & TONI - Friday, Jun 12, 2009 at 19:24

Friday, Jun 12, 2009 at 19:24
Gu Goose
A ditto to AAMI, they were my insurer before and after my major modification's to TONI. I checked around following the transplant in TONI, just to keep them honest, and they were still the best offer.

I am currently going through a claim for a small fire in the kitchen at home with them and find them fast and friendly.

I did make a claim with our Subaru Outback a few years back and found them to give exellent service.

Cheers Colin.
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FollowupID: 637119

Follow Up By: Member - Donks1 (NSW) - Friday, Jun 12, 2009 at 19:39

Friday, Jun 12, 2009 at 19:39
Being in the trade, ( auto repair ) AAMI is generally considered the cheapest, and will cover anything, however the number of claims they reject is huge by comparison.

They seem happy to take the cash, not so good at paying it out.

I found out the hard way many years ago when someone took out the side of my car in the carpark at the local shops. I rang them and told them the story, and the response was " if you can't name the person at fault, no payment would be made." If I had have lied and told them I hit a fence or something similar, pay the excess and all would be fixed. Never again, and I tell all who will listen.

I'm currently insured with Australian 4WD insurance, underwritten by CGU, who have a very good reputation within the trade.

Donks1
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Follow Up By: tim_c - Monday, Jun 15, 2009 at 12:19

Monday, Jun 15, 2009 at 12:19
Donks, sorry to hear your tale - it seems a bit strange though: what does AAMI think insurance is for?!
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FollowupID: 637434

Follow Up By: The Landy - Monday, Jun 15, 2009 at 13:59

Monday, Jun 15, 2009 at 13:59
Appears strange Donks...I would have thought you make a claim under the policy regardless and it will be classed as an 'at fault claim'. You insure your vehicle to take the hassle out of being compensated in an accident. Hard too inmagine they can knock-back a claim like this just because you can't name the person involved.
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FollowupID: 637439

Follow Up By: Member - Donks1 (NSW) - Monday, Jun 15, 2009 at 20:27

Monday, Jun 15, 2009 at 20:27
Yeh thats what I thought

Luckily it was a commondore, cheap parts ....

Another thing in the fine print with AAMI that others don't do

If the car is written off, the car becomes the property of AMMI, Outstanding rego and all. A guy at work was hit at a round-a-bout 3 weeks after paying rego/insurance. AAMI kept the balance of rego, & insurance, ( 11 months )
If of course the car was repaired, the remaining rego & insurance would continue. Leaving him out of pocket almost $2000. And thats a "not at fault accident"

Never again.

Donks1
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FollowupID: 637503

Follow Up By: tim_c - Tuesday, Jun 16, 2009 at 11:27

Tuesday, Jun 16, 2009 at 11:27
I'm sure that doesn't only apply to AAMI... I'm with NRMA and they won't refund the balance on the premium paid either - I'd expect this to be fairly standard across all insurers. As for the rego, I'd have to check that one but I don't see why you wouldn't be able to claim the refund from RTA etc. since that is independant of your insurer. Yes, the 'wreck' becomes the property of the insurer as they have effectively 'bought' it from you by paying your claim so maybe they can cash in on the remaining rego?

Yes, even with insurance, you will usually be out of pocket to some extent - but not by as much as if you didn't have it! :)
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FollowupID: 637595

Reply By: Member QLD Steve & Lorraine Mc - Friday, Jun 12, 2009 at 21:37

Friday, Jun 12, 2009 at 21:37
Hi Gu Goose
Give Suncorp a try we were with DGA/ Australian 4WD Ins/ underwritten by CGU for 5yrs. Suncorp where $200+ cheaper & very lenient on mods, hop on their website & get a online quote & see how you go.
Cheers Steve.
And for anyone who is interested, no I dont work for bloody Suncorp!!!
AnswerID: 369744

Follow Up By: Member - Graham H (QLD) - Saturday, Jun 13, 2009 at 10:28

Saturday, Jun 13, 2009 at 10:28
I had my Cruiser with Suncorp because all my other insurance was with them.

I rang to reasess my insurance and when I listed the accessories they upped my car excess to $1000.

I went to Affinity insurance brokers and got a significantly better price and had no problem with the $11,000 of extras and have a $400 excess.

Affinity use Lumley as do DGU and interestingly got two different quotes from them.

They now have the car,van and contents.

Suncorp refused contents outside the van and said that is an extension on your house policy and as I dont own a house they refused.

Affinity tailored a policy to fit at a reasonable price.

Wont be going near Suncorp again.


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FollowupID: 637201

Follow Up By: Member QLD Steve & Lorraine Mc - Saturday, Jun 13, 2009 at 19:40

Saturday, Jun 13, 2009 at 19:40
There you go Graham, feather in the cap for Affinty, do what suits yourself best I suppose. We pay $16,000 + in various insurance premiums of all types & was told,(not by experience) when you a have a claim for vehicle insurance RACQ, Suncorp, Allianz, are at the top of the food chain for prompt claims, so who knows unless your on the receiving end ????
My 2c worth for the day.
Cheers Steve.
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FollowupID: 637259

Reply By: Louie the fly (SA) - Saturday, Jun 13, 2009 at 16:10

Saturday, Jun 13, 2009 at 16:10
I've been with Shannons with all my cars for years now. They will happily accommodate modifications providing they are legal. Reasonably priced as well. I have 3 cars on my policy, 4runner, Cross8 wagon and a 50's custom car, so I also get a discount.

Louie
AnswerID: 369821

Reply By: Von Helga - Saturday, Jun 13, 2009 at 19:35

Saturday, Jun 13, 2009 at 19:35
I am not your age however go to DEFCREDIT and try CGU.
I've never had an issue with any accessories on my truck
AnswerID: 369845

Reply By: poppywhite - Sunday, Jun 14, 2009 at 13:04

Sunday, Jun 14, 2009 at 13:04
By deploy I assume military. So havn't you been trained to use one of those rover110 or 130 or the new merc 4x4. I would expect that experience would be far more advanced than a local club. For my view you are from the ultamate 4x4 club there.Diesel gas is no big power up maybe just a bit more fuel efficient if a turbo is also installed. Under about 30 is hard insurance especially for men those with no probs are possible a lot more mature in age (>50) seems they dont have the issues of young ppl.Maybe someone else in the company would be more helpful ask to speak to supervisor and go up from there. Try to see real person not on phone but in office.
good luck in insurance and on deployment
AnswerID: 369908

Reply By: GU_Goose - Monday, Jun 15, 2009 at 18:17

Monday, Jun 15, 2009 at 18:17
I have organised insurance through the family broker underwritten by CGU.

Ended up paying 1600 a year for market value on the car and up to 30k worth of accessories and hopefully once I hit 25 that should drop a bit.

On a side note I also had the same broker take care of my motorcycle insurance and paid another 1500 for that.

With any luck I will not need either policy but at least I have the piece of mind.

Thankyou all for your great input and help.
AnswerID: 370132

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