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      01-17-2013, 01:34 AM   #1
Blauweisser
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OT - Insurance opinions?

Just had my insurance renewal from AAMI - freaked! Rang them up, and I got a $75 discount. Looked at the NRMA website, adjusted the parameters so that they matched the AAMI conditions perfectly (same agreed value, etc), and it came out another $93.50 cheaper than the discounted AAMI rate. At present, we have our house and both cars with AAMI, so no favours from them.

Anyone here had any problems with NRMA insurance?
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      01-17-2013, 01:58 AM   #2
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AAMI was $400 cheaper than my quote from NRMA. NRMA quote was then $150 cheaper than Suncorp (who I am with now and I have multiple policy discount).

Needless to say I am not staying with Suncorp. I am thinking of switching to NRMA. I don't want to go to AAMI (despite the cheap price tag) because you don't have a choice of repairer and I hear AAMI is terrible to deal with on a claim.
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      01-17-2013, 02:05 AM   #3
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GIO is pretty good though I'm with NRMA right now as this year it happens to be cheaper. I just bounce between the two.

I had an issue with NRMA where my car was side swiped by a truck. Although I had photos of the truck and intersection as well as copies of the roads legislation they kept indicating I may have been overtaking the truck. There weren't any witnesses.

6 months later and a threat of a complaint they finally just called the other party who admitted his fault and they returned my $2500 excess. They should have just done that from the start...
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      01-17-2013, 03:35 AM   #4
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NRMA would be my first choice
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      01-17-2013, 03:48 AM   #5
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Quote:
Originally Posted by MrBlonde
NRMA would be my first choice
+ 1 never had an issue with nrma
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      01-17-2013, 03:49 AM   #6
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Quote:
Originally Posted by MrBlonde View Post
NRMA would be my first choice
if you have a crash late at night on a weekend they won't help with towing, and are pretty shitty to deal with repairs.. was a fair while to deal with it all.

Partner hit a kangaroo on gympie road (that had already been hit once).. was pretty well stuck, what should have been a writeoff (seriously, kangaroo all up in that business) was repaired, really not a pleasant car now.
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      01-17-2013, 04:23 AM   #7
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Quote:
Originally Posted by flinchy View Post
if you have a crash late at night on a weekend they won't help with towing, and are pretty shitty to deal with repairs.. was a fair while to deal with it all.

Partner hit a kangaroo on gympie road (that had already been hit once).. was pretty well stuck, what should have been a writeoff (seriously, kangaroo all up in that business) was repaired, really not a pleasant car now.
If you think NRMA are shitty to deal with on a claim, wait until you experience the pleasure of some other big name insurers!
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      01-17-2013, 05:31 AM   #8
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SGIO beat my AAMI quote by 10%
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      01-17-2013, 05:37 AM   #9
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enthusiast or just another car

I am a total nut about my cars and bikes i like to be involved with any repairs and have some control. I guess i am lucky as i know many good people in this ratbag automotive industry its great to know your in good hands if the need arises.
So its Shannon's Insurance for me i just want peace of mind and zero problems the deal i get with them is fine i know i pay a little more but i don't care

.
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      01-17-2013, 06:00 AM   #10
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Quote:
Originally Posted by skycat View Post
I am a total nut about my cars and bikes i like to be involved with any repairs and have some control. I guess i am lucky as i know many good people in this ratbag automotive industry its great to know your in good hands if the need arises.
So its Shannon's Insurance for me i just want peace of mind and zero problems the deal i get with them is fine i know i pay a little more but i don't care

.
+1 on Shannons - great and easy to deal with.
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      01-17-2013, 06:07 AM   #11
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Can I just suggest that you look at the PDS for each company and closely look at the terminology used in each one.
I have not long come out of a 3 year civil legal battle over a refused at fault claim by an insurance company (who I had been with for over 10 years). That battle was all over the definition and the insurance companies implementation of a 'recklessness' clause. For the record I won and they had to pay the 3rd parties and my loss. I still lost over 30k for the experience!
I found the same clause in the NRMA PDS as well. I'm with AAMI and happy to pay a bit more for a simpler PDS. . . That way you know where you stand, you may never claim, but. . .

That's my two bobs worth!
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      01-17-2013, 06:13 AM   #12
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Quote:
Originally Posted by skycat View Post
I am a total nut about my cars and bikes i like to be involved with any repairs and have some control. I guess i am lucky as i know many good people in this ratbag automotive industry its great to know your in good hands if the need arises.
So its Shannon's Insurance for me i just want peace of mind and zero problems the deal i get with them is fine i know i pay a little more but i don't care

.
+2 my cars are with Shannons
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      01-17-2013, 07:15 AM   #13
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Quote:
Originally Posted by MrBlonde View Post
If you think NRMA are shitty to deal with on a claim, wait until you experience the pleasure of some other big name insurers!
personally i'd love shannons for when they'll insure me for reasonable money., i haven't dealt with justcar, but being they're underwritten by (aami afaik?), .. yeah i dunnooo.. lol.

my first car was suncorp, very VERY easy to deal with, claim went through like a breeze.
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      01-17-2013, 08:15 AM   #14
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Quote:
Originally Posted by barr1luk View Post
Can I just suggest that you look at the PDS for each company and closely look at the terminology used in each one.
I have not long come out of a 3 year civil legal battle over a refused at fault claim by an insurance company (who I had been with for over 10 years). That battle was all over the definition and the insurance companies implementation of a 'recklessness' clause. For the record I won and they had to pay the 3rd parties and my loss. I still lost over 30k for the experience!
I found the same clause in the NRMA PDS as well. I'm with AAMI and happy to pay a bit more for a simpler PDS. . . That way you know where you stand, you may never claim, but. . .

That's my two bobs worth!
Also be careful of the 'negligence' clause as well. You don't want any PDS to be open to interpretation.
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      01-17-2013, 05:34 PM   #15
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Truth be know, I think you just need to be carefull with every insurer. I personally dont think anyone of them is "perfect". I was with Alianz with two cars for over 12 years and never once put a claim in. I notified them I changed wheels on one car from 17" to 19" in standard BMW fittment and offset and they deamed me too much of a risk.

Anyway .... I've allways found Suncorp to be great to deal with but I reciently changed to RACQ as Suncorp premiums jumped up way too much.
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      01-17-2013, 06:12 PM   #16
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well you need to remember an insurance co makes money by taking your premiums and NOT paying out for repairs
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      01-20-2013, 05:02 PM   #17
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have two cars and house on NRMA. had to get my Evo fixed when a truck nudged the back end... no issues at all. sent a cab to take me for a courtesy car... it was roundabout the time when the tsunami hit japan, there was a wait on the tail light with no ETA so they let me source it myself (ended up gettinga pair of black taillights from the 8MR which i wanted anyway) they reinbursed me in full for both very quickly when i only needed one. finish on the car was immac. wouldn't go with anyone else. plus they gave me around 3k discount with all the extra policies (still $175 a month but i'm 24)
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      01-20-2013, 08:10 PM   #18
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Am with Shannons with both my vehicles.
One no-fault repair was handled conveniently with a satisfactory result.

At present, am having issues with a cracked windscreen where Shannons are offering to replace with O'Briens windscreen (aftermarket) rather than BMW (genuine). Seems that in the past, Shannons might have been covering for genuine windscreens (at least in Western Australia a couple of years back), but perhaps they have taken a new position ...
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      01-20-2013, 10:19 PM   #19
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Quote:
Originally Posted by timbo_3101
Am with Shannons with both my vehicles.
One no-fault repair was handled conveniently with a satisfactory result.

At present, am having issues with a cracked windscreen where Shannons are offering to replace with O'Briens windscreen (aftermarket) rather than BMW (genuine). Seems that in the past, Shannons might have been covering for genuine windscreens (at least in Western Australia a couple of years back), but perhaps they have taken a new position ...
I've had an obrien windscreen replaced on my 135i with no real issues. Only thing is that the rain sensor will take a few weeks to adjust to the new windscreen lol
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      01-20-2013, 11:16 PM   #20
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Okay, thanks Carl for reassurance.
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      08-08-2013, 05:29 PM   #21
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Quote:
Originally Posted by skycat View Post
I am a total nut about my cars and bikes i like to be involved with any repairs and have some control. I guess i am lucky as i know many good people in this ratbag automotive industry its great to know your in good hands if the need arises.
So its Shannon's Insurance for me i just want peace of mind and zero problems the deal i get with them is fine i know i pay a little more but i don't care
Quote:
Originally Posted by sparoz View Post
+1 on Shannons - great and easy to deal with.
Quote:
Originally Posted by MrBlonde View Post
+2 my cars are with Shannons
Quote:
Originally Posted by timbo_3101 View Post
Am with Shannons with both my vehicles.
WTF's up with Shannons..

Just got a quote for the 1M $4042 PA ( max NCB 65% ) agreed value $95K.. with $900 basic excess..

GIO, my current insurer $2050 PA ( max NCB 60% ) agreed value $105K.. with $700 basic excess.

Go figure..
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      08-08-2013, 05:54 PM   #22
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Just a FYI

Suncorp owns all these brands
• GIO
• AAMI
• Apia
• Just Car Insurance
• Shannons
• InsureMyRide
• Vero
• Terri Scheer
• Bingle
• CIL
• Asteron an
• Tyndall


Essentially they mostly all run independently on what they offer and their claims process.
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