Insurance clauses and conditions.....

Kishy · Post by **Kishy** » Sat Jul 15, 2006 4:24 pm

aardvark wrote:
Why in hell did you take Dan's post from another forum, and put it in here????

Simple. Because I didnt get a chance to respond..

aardvark wrote: Anyway, back to insurance. If I didn't find them a necessary evil, I wouldn't be dealing with any insurance company ever again. Actually, it's not the insurance companies I have a problem with.... generally speaking, I believe their policies are in place for the right reasons. But, most of their employees are fuckwits. They are generally self centred, selfish pricks that are always on the lookout for something for themselves.

If they can write a bike off so that one of their mates can pick it up cheap elsewhere, they will. They change their rules to suit themselves and when the chips are down, you can guarantee that the soft cocks will do you over for no particular reason.

Fuck man. I better make sure I dont insure with anyone you have been with

aardvark · Post by **aardvark** » Sat Jul 15, 2006 4:38 pm

Kishy wrote: Fuck man. I better make sure I dont insure with anyone you have been with

RACV, Arista, QBE... bah. They are all the same anyway.

Duane · Post by **Duane** » Sat Jul 15, 2006 4:48 pm

jase!!! i already settled one argument, i'm gonna become a therapist!!

Kishy · Post by **Kishy** » Sat Jul 15, 2006 5:49 pm

Duane wrote:jase!!! i already settled one argument, i'm gonna become a therapist!!

Dont worry bro. It aint gonna bother

aardvark · Post by **aardvark** » Sat Jul 15, 2006 5:57 pm

Duane wrote:jase!!! i already settled one argument, i'm gonna become a therapist!!

Don't worry mate, I'm not starting any arguments, just talking about past experiences.

Neka79 · Post by **Neka79** » Sat Jul 15, 2006 6:11 pm

Duane wrote:jase!!! i already settled one argument, i'm gonna become a therapist!!

mate u START half the bloody arguments!!

therapist my ass...

Kishy · Post by **Kishy** » Mon Jul 17, 2006 2:09 pm

aardvark wrote:
Duane wrote:jase!!! i already settled one argument, i'm gonna become a therapist!!
Don't worry mate, I'm not starting any arguments, just talking about past experiences.

Well now you got no argument when others generalise about your mob..
based on past experiences of course.

Duane · Post by **Duane** » Mon Jul 17, 2006 3:09 pm

Neka79 wrote:
Duane wrote:jase!!! i already settled one argument, i'm gonna become a therapist!!
mate u START half the bloody arguments!!

therapist my ass...

Gotta insure i get some business mate, ya missus wants to sleep with me, i think you should come have a session and talk about it

Neka79 · Post by **Neka79** » Mon Jul 17, 2006 9:35 pm

Duane wrote: ya missus wants to sleep with me,

no..she said STAPLE you...as in staple u to a wall & throw shit at ya...

ant · Post by **ant** » Mon Jul 17, 2006 9:40 pm

Another quality thread, brought to you by the mature adults of KSRC.

Kishy · Post by **Kishy** » Tue Aug 01, 2006 9:49 pm

Kishy wrote: Another example..

We all get our annual renewals about 4wks prior to the anniversary date,
which means the insurer was evaluating the renewal premium a further 2wks prior.

Now go to your insurers website & do an online quote alot closer to your renewal date..
which now would be nearly 6wks since your premium was determined. You may find you
are given an estimate for less, the same or more than your quoted renewal premium.
Why? Same reason.. price change.

Today Tonight touched on something 2nite I said 4wks ago..

REPORTER: Rohan Wenn
BROADCAST DATE: August 1, 2006

Recently, I got online and applied for exactly the same policy I currently have for home
and contents insurance.

The quote I was given by my insurer was $564 per annum. But at the moment, I'm being
charged $590 for the same policy.

So then we decided to try it with other policies from staff around the office. One of our
researchers had just renewed her car insurance.

Her premium was $1080 and she had a rating two driver status.

But then she went online and applied for exactly the same policy again and received a
quote of $903 a year with a rating one - a saving of $177 a year with a better rating.

Another Today Tonight staff member applied online for exactly the same home and contents
insurance which currently costs her $697.91 a year.

Her new quote if she was a new customer? $553.94 - a saving of $143.97

http://seven.com.au/todaytonight/story/?id=29446

Neka79 · Post by **Neka79** » Tue Aug 01, 2006 11:10 pm

yea i saw that kishy (and the crap abt how much water is in our foods....we may not like it, but what should we do?? stop buying food??)

interesting story tho..i guess ill never just pay my insurance again no questions asked...heres wot happened to me last time

bike- october 05-policy went up $10, cover went down $2k...i argued $2k in a year was too much, so it went back up a thousand... to $8900 (if uve seen my bike u wouldnt complain either)

car- sept 05 (oh crap its soon due)- policy went up abt $50.....insured value stayed abt the same...even after i had a claim...no dramas...

Kishy · Post by **Kishy** » Tue Aug 01, 2006 11:27 pm

Neka79 wrote:yea i saw that kishy (and the crap abt how much water is in our foods....we may not like it, but what should we do?? stop buying food??)

shifty bastards eh

Thing is, ya dont thing about water content when its all frozen.. & these
manufacturers know this as well.. & have been getting away with it until
now..

Neka79 wrote: interesting story tho..i guess ill never just pay my insurance again no questions asked...heres wot happened to me last time

bike- october 05-policy went up $10, cover went down $2k...i argued $2k in a year was too much, so it went back up a thousand... to $8900 (if uve seen my bike u wouldnt complain either)

car- sept 05 (oh crap its soon due)- policy went up abt $50.....insured value stayed abt the same...even after i had a claim...no dramas...

U did OK with the car I'd say

Yeh bro.. price around each year.. dosent take very long to do online
quotes & the savings could be few dollars to few hundred.

Always worth ya while. Life is expensive as it is. Just make sure that
you before you go elsewhere, or esp in the cooling off period (if you have
paid already) that you are 100% happy with the cover they offer

Shifty · Post by **Shifty** » Wed Aug 02, 2006 6:02 pm

Don't forget that when you ring your insurance company, you are speaking to someone who is being paid $12 an hour to answer calls from people who 99 times out of 100 hate them before they even pick up! As a result their tolerance is very low and they will just answer a question with the first thing that comes to mind, which may or may not be representative of the insurance company's intent.

The other thing to remember is that they have what maybe a one or two week training course and then they're giving YOU information? You've probably spent more time dealing with your own insurance over the years than they have in their entire 'career'.

I've been in the industry for 5+ years and some of the shit I've seen and heard is unreal. There is so much misinformation out there and a lot of it is provided by the people on the phone who are treated like crap and expected to deal with every customer in 0.432 seconds.

Get your own copy of the policy document and read it cover to cover. And READ it, don't just skim read it and then start jumping up and down about things before you've taken the time to read the full context and understand it properly.

The less times you have to call them for advice, the better - if you can answer your questions with something they've already given you in writing then you're set.

The only time an insurer can deny your claim is if it can be proven that action you have taken has contributed to the claim and the circumstances were not something a reasonable person would have done.

With your garage example, sure you told them it was garaged but if it had to be left outside for one night while the garage was inaccessible then they don't have a leg to stand on - a reasonable person wouldn't even think twice about it! All you'd need to do is provide proof that the driveway was being worked on at the time and that it was a one off.

It would only be a problem if they had informed you specifically that you would absolutely and unconditionally NOT be covered when not garaged regardless of the circumstances. Unless they give you something concrete you can poke hols in it - loopholes work both ways you know.

Kishy · Post by **Kishy** » Thu Aug 03, 2006 12:36 am

Shifty wrote:Don't forget that when you ring your insurance company, you are speaking to someone who is being paid $12 an hour to answer calls from people who 99 times out of 100 hate them before they even pick up! As a result their tolerance is very low and they will just answer a question with the first thing that comes to mind, which may or may not be representative of the insurance company's intent.

100% bullshit

Read about FSRA which you are not familiar with.

http://www.ica.com.au/corpaffairs/media ... enDocument

Shifty wrote: The other thing to remember is that they have what maybe a one or two week training course and then they're giving YOU information?

1-2wks training? pfft.. Like who?

Then I'll be able to verify this is also 100% bullshit

Shifty wrote: The only time an insurer can deny your claim is if it can be proven that action you have taken has contributed to the claim and the
circumstances were not something a reasonable person would have done.

<snip>

Pfft. Yeh riteo

Fuck man.. U said you were in the industry for 5yrs. How fucken long ago
are we talkin here & in what capacity?