insurance $ insurance $$$$

Firstly....writing everything in caps on the internet means you are yelling

Regarding your question we are with CIL and find them very good. Allot of people on here go with them.

A lot of factors get taken into account, including post-code where you live, cost of claims for similar vehicles / vans that you are insuring. And not to forget that with all the natural disasters that have occurred in more recent times underwriting costs have gone up.

So it is almost a year to year proposition, one of the best things to do is get 3-4 quotes from the mainstream insurers and take it from there.


Cheers, ‘The Landy’

Mine is insured with CGU through Affinity insurance Brokers and was cheaper

than anyone else INCLUDING CGU themselves for the same policy

Go figure.

I rang Apia, Suncorp, CGU, CIL and Nrma.

The "Golden Rule' in re-insuring seems to be "Ring around, including those that you expect least from". This industry is more 'tricky' than a bag of monkeys..... they play with premiums to an extent that defies logic most of the time - one won't insure you - others will - one wants less now but asked for more last year - give you a good quote for the car but a bad one for the van, etc etc. Just decide on what excess and extras you need cover for and then start ringing. I've had a van for 2 years - the first insurer was great but wanted too much on year 2 (very common) - the second insurer only wanted a 3% rise for year 3 - will probably stay there. Some insurers are easy to dismiss, in that they don't listen, are vague and disorganised and get paperwork wrong - it's likely that they'll be that way if a claim becomes necessary :-o).

hi all
it seems to me that the most important thing in this discussion is not if it is the cheapest but how much of a hassle it is to claim and whether they honour the claim. cheap is not generally the best. stick with the motoring organisations !!!! regards bill

I wonder when I read posts from the people raving about CIL being the only way to go as we have just done the ring around after CIL offered renewal at a 20% increase to the previous year policy with no claims ever and having taken our premiums for years. I have read PDS statements from MHIA, NRMA, GIO, CIL and AAMI with a fine tooth comb and they all compare within a bulls roar of one another re coverage and inclusions, yet prices vary by upto 40%, this comparing apples to apples with a same agreed value policy with same value of contents??

NRMA $ 454.16
CIL $ 569.27
MHIA $ 593.95

And the others dearer still, the dearest $724.15

I hate paying insurance as much as anyone, if you are going to pay for it get a competitive policy on both inclusions and price, service comes and goes and you never know until you need to claim which is hopefully never.

I was a member of a small fleet owners organization who all got together and approached insurance companies to insure us as a collective. We got some quotes and it worked out that we got a bulk discount on our insurance. Buying power is the key, a group of small businesses (or individuals ) joining forces for the good of all. Might be an idea we could put forward to David and Michelle. Cheers Mick

We have a package deal with Suncorp Insurance, which includes houses, vehicles, caravan,business insurance/public risk ect.

We still ring around for package quotes and if Suncorp is dearer we just get them to match the quote or lower it, we have been with them for several years.

Cheers

hi again everyone that posted on , insurance $ insurance $$$$, great views and opinions and experiences. thankyou for all your
help, and my phone will be my best friend tomorrow,(my first post learnt so much)