Insurance: Watch out!
Andy
What matters is what I had no idea of, and that's the rigour you go through
with the insurance company to get your pay out...
They have a private investigator checking out the case. He spent four hours
interviewing me, and seems more intent on seeing if I have a motive for
fraud, that for finding the car ( a lost cause I presume).
Has anyone else had a bad experience with this? Right now I feel like my
$50K is about to evaporate!!!
George B
Andy wrote in message ...
John Lambert
some details about it.
What shits me is if the insurance policy covers you for theft, why are they
giving you so much trouble when trying to make a claim for theft??! I guess
since the car hasn't been recovered, they can easily think it actually
hasn't been stolen at all due to previous fraud claims made by those
dishonest people out there!
John.
"Andy" <an...@gravitymax.com.au> wrote in message
news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
Adam Gibson
death, dumped and beaten with lumps of wood, RACQ did the exact same thing,
4 different interviews totalling 11 hours, it took 6 sworn statements from
both of my parents, my eldest sister and 3 friends of the family, all three
of whom were JPs, a series of abusive letters and a complaint to the
ombudsman to get the money out of them. Did I mention I wouldn't insure my
letterbox with RACQ even if you paid me.
"Andy" <an...@gravitymax.com.au> wrote in message
news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
Karl
happy to take your premium, but do not want to pay out a claim, no matter
what.
4 Corners on Monday night ran a story about an ex-NSW police officer who is
now a PI in Queensland. He is employed by insurance companies to
'investigate' insurance claims for fire damage to buildings. This PI seemed
to place the facts down on his list of priorities. 4 Corners showed how he
used tactics such as threats, bribes, lying, intimidation etc while working
as a police man, and now as a PI. It was shown how gets circumstantial or
fabricated evidence, presents this to the police and then the police charge
the claimant with arson. Even if the claim is thrown out of court, the
insurance company still refuses to pay, because of suspicion of 'foul play'.
It looks like alot of insurance companies employ these sort of
investigators, with the job of rejecting claims. Basically you don't want
you car stolen or house burn down because you might get charged yourself.
"Andy" <an...@gravitymax.com.au> wrote in message
news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
Noddy
"Andy" <an...@gravitymax.com.au> wrote in message
news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
It would seem that it's standard procedure these days. I had my 2 year old
XH Ute stolen from outside my house a few months ago and when I made the
claim, the insurance company (AAMI) was quite polite and helpful but told me
that an investigator would be out to interview me and that it was a company
policy with any theft claims amounting to more than $20k.
The investigator came out a couple of days later and quizzed me about the
details of the car and what I'd been doing in the 24 hours leading up to the
time it was stolen. He actually wasn't a bad bloke. He was a private guy on
contract for AAMI and spent a couple of hours with me asking questions like
do I have a criminal record and was I in any financial trouble, did I have
all the keys for the car in my possession, how much registration did it
have, that sort of thing. I felt like I was under suspicion and was a bit
put out by it really considering it was my first claim of any kind in almost
20 years of being insured, but he was very professional and advised me not
to worry too much about anything as there was usually a not-so-obvious
reason that most people have for getting rid of their own cars and making
false claims that they uncover during their investigation and I had nothing
to worry about.
In the end, he was right. The claim was finalised about 4 weeks later and it
worked out better than I expected. My agreed value policy covered the car
for 24 and a half grand, and that's all I was expecting to get, less my
standard excess. However, because the car was in "outstanding" condition
according to AAMI and had only travelled 22500km, they thought it was worth
more than this and I received a check for 29 grand and an offer to insure my
new car should I decide to remain a AAMI customer! Needless to say, I was
very pleased.
The interesting thing here is, apart from this being the first time I've
ever heard of an insurance company paying anyone more than they were legally
obliged to, is the fact that they basically took my word for the condition
of the car. They had never seen it themselves and I had no photo's of it to
substantiate my claims, apart from some of other things were it was remotely
in the background, and it had never been serviced by anyone other than
myself, so there was no dealer record of the car to state what condition it
was in. Don't start thinking the obvious. The car was exactly as I told them
and *was* in immaculate condition, but they had no way of knowing...
Regards,
Noddy.
Noddy
"Andy" <an...@gravitymax.com.au> wrote in message
news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
I should have also added to my other post that while it took slightly longer
to be finalised than I expected, I was more than happy with the level of
service and professionalism I received from AAMI in regards to my claim, and
I would thoroughly recommend them to anyone.
(Incidentally, if anyone from AAMI is reading this, can you make the cheque
out to "cash" and slip it under my door after 7:00pm on a Tuesday night?
That's when the trouble & strife goes out to the gym :)
Regards,
Noddy.
Adam Gibson
them, as is every car owned by any member of my direct family, two words,
your choice of which two, either "Customer Satisfaction" or "Fuck RACQ"
"Noddy" <dgib...@iprimus.com.au> wrote in message
news:39f6...@news.iprimus.com.au...
>
> "Andy" <an...@gravitymax.com.au> wrote in message
> news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
> > I just had my car stolen - a $50K import. The details are unimportant.
>
Noddy
"Adam Gibson" <Afrobo...@bogpond.com> wrote in message
news:WFyJ5.8530$e5.2...@newsfeeds.bigpond.com...
> In my experience AAMI is an excellent insurer, my Gertrude is insured with
> them, as is every car owned by any member of my direct family, two words,
> your choice of which two, either "Customer Satisfaction" or "Fuck RACQ"
Well, due to the extra 5 grand they gave me for nothing, I'd say I
wholeheartedly agree with you!
*All* insurance companies are your new best friend when they are taking the
premium money from you. It's only when you make a claim do you get a chance
to form a real opinion of their performance. I've only ever made the one
claim, for a stolen car, and in that case AAMI were efficient, courteous,
professional and considerate and I honestly can't talk highly enough of
them.
In fact, I've been so happy with their attitude that I've since switched my
house & contents and business insurance over to them since then and received
a very effective policy discount for having "all my eggs in the one basket"
so to speak.
Regards,
Noddy.
John G
not theft). It will be interesting to see if there is a change now they are
a public company and not member owned.
"Andy" <an...@gravitymax.com.au> wrote in message
news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
deaddonkey
treat you like a criminal because your car has been stolen.
the heavy tactics they use is disgusting.
especially in a stressfull time.
Karl <ka...@optusnet.com> wrote in message
news:39f672d3$0$11629$7f31...@news01.syd.optusnet.com.au...
Andy
And the investigator is back for interview #2 next week. We're giving him
all the information we can to move things along.. still, this is a very
frustrating process.
- Andy
"George B" <georgiejN...@ihug.com.au> wrote in message
news:8t5or1$4ie$1...@bugstomper.ihug.com.au...
Andy
It was a Toyota Supra Twin Turbo / Auto / '96 / Pioneer Carrozzeria
Stacker/TV/DVD/GPS / Excellent Condition- 63000K's, Dark Silver/Metallic,
17" Volk Racing Wheels, Dual-Air Bags
..and various other minor things which I could use to identify the car -
things that a rebadge/grind etc will not hide -- although word is Supras are
hot property for parts right now. Pretty sad ending for such a gorgeous car.
- A
"John Lambert" <john.l...@qr.com.au> wrote in message
news:8t5pc5$c2...@inetbws1.citec.com.au...
Richard Christsen
repaired/rectified through them have you ...
"Noddy" <dgib...@iprimus.com.au> wrote in message
news:39f6...@news.iprimus.com.au...
>
Ben Thomas
>
> In my experience AAMI is an excellent insurer, my Gertrude is insured with
> them, as is every car owned by any member of my direct family, two words,
> your choice of which two, either "Customer Satisfaction" or "Fuck RACQ"
The 1975 3.0S BMW and my new 1990 Pulsar GL are both insured with AAMI with
third party fire and theft with me as main driver.
AAMI are the only one of the few companies that still offer fire and theft
cover with third party insurance.
RACV wouldn't even insure me for third party on the BMW, even though it's
worth less than the new Pulsar, and I could do just as much damage in the
Pulsar.
--
## Ben Thomas - Melbourne, Australia
## 2000 Astra CD - QCE 719
## 1990 Nissan Pulsar GL. I've finally got a manual car!
## Send me email for a game of email chess
## FOR SALE: 1975 BMW 3.0S in excellent condition - $3000 ONO
Richard Fay
>
> Hmmm obviously haven't had to have something out the ordinary/custom
> repaired/rectified through them have you ...
>
I have made two claims with AAMI. The last was the Sydney hail storm
damage.
Car was inspected the next morning and cleared for repair by 8:30am!!!
Straight to a top notch repairer and fixed in 2 weeks.
No loss of NCB either.
My premium is cheaper than ANY insurance company I can find. Even
brokers have said to stick with AAMI.
So I can't complain.
Richard
Scott Lang
Just a tip with AAMI, my brother _was_ insured with them and his car slipped
out of gear when he was reversing into our driveway andthought out grage
door into my beloved VK commodore. AAMI would not shell out a cent for the
damage due him being related to me. I had just over $5k worth of damage to
my car which ended up coming out of my pocket coz my brother does have any
money, our roller door, structural damage to the garage & equipment and
tools in our garage all not covered.
Be very careful when selecting your insurance company and do read the fine
print before you take the plunge.
Scott
"Ben Thomas" <b...@unico.com.au> wrote in message
news:39F7CCD9...@unico.com.au...
Tom
I'm 25, Rating One for One Year,
and drive a '96 Celica SX.
AAMI says we won't insure you because
the car is too powerful. I almost
fell off my chair laughing.
---
I'm now 26, Rating One for Two Years
and drive the same car.
AAMI want to charge me $1200 a year.
RACV are $500 cheaper.
Go figure ...
Richard Christsen
their clients smashed and the inexpirence of the assesors showed
through..... It took me 8 months to finally settle the matter ..... Is this
great service ? THey won't insure my car as get this "It is lowered" ......
IS this a great insurance agency ?
"Richard Fay" <fa...@ozemail.com.au> wrote in message
news:39F8D2...@ozemail.com.au...
Ruley
Richard Christsen wrote in message ...
>Well I lucky I'm not with AAMI .... I had a custom rear bar that one of
>their clients smashed and the inexpirence of the assesors showed
>through..... It took me 8 months to finally settle the matter ..... Is
this
>great service ? THey won't insure my car as get this "It is lowered" ......
>IS this a great insurance agency ?
Yeah, I was just the opposite. They cracked the shits with my 4WD which had
raised suspension. I had told them of this a year or so before they
actually wanted to inspect it. So I took it in. Bu when I got there,
"Sorry, ALL of our inspectors/assessors/arseholes are out at lunch. Can you
come back later?" Now as an IT contractor, when I don't work. I don't get
paid. So the trip out there and back to satisfy these dipshits cost me
money (quite a bit). So I went back to work. Found alternate insurance
through a far superior 4wd company. Got a cover note. I cancelled my
Hilux's insurance with AAMI on the spot. I also arranged cover notes with
other companies, and cancelled my VL's AAMI insurance, my HQ's AAMI
insurance, and my home and contents insurance - AAMI. Other companies got
my business due to these idiots. I hope they read this. This is the
consumer's revenge! Hahahahaha.
Ruley
George B
i was just about to insure with just car
Andy wrote in message ...
George B
and sorry to hear it ended up in the hands of some thieving dickhead
it bloody hurts to have your pride and joy ripped off,
i know the feeling
hopefully you'll get all your money, then buy another supra to fill the void
Andy wrote in message ...
DR
"Tom" <n...@email.please> wrote in message
news:39F7D9DA...@email.please...
I find AAMI much better than RACV, my sister had soooo many problems with
them even though the accidents were not her fault.
I am 25, Rating 3, AAMI they said they will insure me for my 1996 Calibra
2.5 V6 for $1255
RACV said they would not insure me. RACV for Rating 1 over 30 on the same
vehicle is $1395
go figure that out??
anyway when it comes to claims RACV are dog's they will try anything to make
your life hell.
Richard Christsen
they told me was "one our best repairers" and it came back with cracks and
damage just sprayed over and bend body part from the accident just put back
on .... They also cause extra damage to my car .... all this from one of
their best ???
Finially went to another one of their repairs who I have heard alot about
and are well known in Brsbane and they got it right by replacing all part
and repairing the excess damage caused to the car....
THis all goes back to the inexpirence of the assessor who told the repairer
to "just repair the original bar" .... how can you repair something that
has been bent (plastic) ???
"Ruley" <ru...@xxNOSPAMxxiprimus.com.au> wrote in message
news:39f7...@news.iprimus.com.au...
Forg
...
> Just look at some of the discounts offered on this site. They are all
> brand new cars and they use dealers in all states as their suppliers.
> It will open your eyes as to how much discount you can get off say a
> new TJ Magna Sports which is list priced at $34,490 or even a
> superseded Holden Commodore - $4,000 off.
...
Funny, the Sydney Morning Herald were talking something much more than
$4k off if you actually went to a dealer. More like $9k off, I think it
was, although I think that factored-in on-road costs.
Seriously, do people really buy a car without driving it? Can't see how
online sales of touchy-feely stuff can work.
--
Forg! -DUH#6=- (Y1)
"...
this crazy Forg surrounds me
..."
[Live - "When Dolphins Cry"]
Neil Fisher
<Afrobo...@bogpond.com>, after considering some belly-button fluf,
wrote:
In the last 10 years I have had 2 accidents which were not my
fault.Both the other parties were insured with AAMI. I have never had
so much trouble getting money to repair my vehicles than with AAMI.
When their assessor looked at My Jaguar he did his utmost to try and
not pay the claim. Is this vehicle legal with the V8 fitted? Is the
next service overdue. Yes they even checked the next service sticker
to try and wrangle their way out of paying. I would never insure
anything with these arseholes.
Bob.
>In my experience AAMI is an excellent insurer, my Gertrude is insured with
>them, as is every car owned by any member of my direct family, two words,
>your choice of which two, either "Customer Satisfaction" or "Fuck RACQ"
>
>"Noddy" <dgib...@iprimus.com.au> wrote in message
>news:39f6...@news.iprimus.com.au...
>>
>> "Andy" <an...@gravitymax.com.au> wrote in message
>> news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
>> > I just had my car stolen - a $50K import. The details are unimportant.
>>
>> I should have also added to my other post that while it took slightly
>longer
>> to be finalised than I expected, I was more than happy with the level of
>> service and professionalism I received from AAMI in regards to my claim,
>and
>> I would thoroughly recommend them to anyone.
>>
>> (Incidentally, if anyone from AAMI is reading this, can you make the
>cheque
>> out to "cash" and slip it under my door after 7:00pm on a Tuesday night?
>> That's when the trouble & strife goes out to the gym :)
>>
>> Regards,
>> Noddy.
>>
>>
>
>
---
Neil Fisher / Bob Young
Thundercords
personal opinion unless otherwise noted.
Looking for spark plug leads?
Check out http://www.magnecor.com.au
Scott Lang
"Forg" <fo...@zip.com.au> wrote in message
news:39F98EDE...@zip.com.au...
> "Ted F." wrote:
> ...
> > Just look at some of the discounts offered on this site. They are all
> > brand new cars and they use dealers in all states as their suppliers.
> > It will open your eyes as to how much discount you can get off say a
> > new TJ Magna Sports which is list priced at $34,490 or even a
> > superseded Holden Commodore - $4,000 off.
> ...
>
> Funny, the Sydney Morning Herald were talking something much more than
> $4k off if you actually went to a dealer. More like $9k off, I think it
> was, although I think that factored-in on-road costs.
>
> Seriously, do people really buy a car without driving it? Can't see how
> online sales of touchy-feely stuff can work.
>
take one for a spin. I saw the site it is an yey opener to see what sort of
discounts they actually give.
Scott
Andrew Worley
Insurance. When my car was stolen, they took 7 weeks to get it back to me,
when all that was wrong was a tiny dent, and the locks, igintion, and the
alarm needed to be replaced.
Then of course when I finally picked it up, I had to take it back because
they hadn't actually fixed the dent at all, but had forgotten to put a piece
of the trim back on the panel. And there were two new dents on the car that
weren't there when I looked at it with the assesor! (and covered up in touch
up paint too! wtf?)
And to top it all off they drop me down a rating, and charge the excess, and
I lost all my personal contents that were in the car (not covered of
course). I could have fixed the car myself for less money than the extra
preium cost + excess came to! not to mention the extra cost of getting
around without the car for almost 2 months!
Just Car Insurance agreed there was a 'delay', offered me two weeks free
insurance, and agreed to fix only one of the dents that had appeared, but
would still drop me down a rating & charge the excess. Gee thanks. Said it
was because they are a 'no-frills' insurance comp.
Makes me wonder what fully comprehensive insurance is for!
Andrew
Andy <an...@gravitymax.com.au> wrote in message
news:MFtJ5.14222$Ab3....@news-server.bigpond.net.au...
> I just had my car stolen - a $50K import. The details are unimportant.
>
Andy
have sat through a four hour interview with a PI who wants to come back for
more. I'm being treated like the guilty party. All they seem interested in
is finding out things not directly related to the theft to try and put
together the motive for a fraud case... (see Four Corners show) they wanted
financials, employment history, residential history, credit history, plus
the usual stuff. It's unreal! I think the only protection is don't get your
car stolen!
I wonder who else has had grief with Just Cars!
- Andy
"Andrew Worley" <al...@ozemail.com.au> wrote in message
news:UTWK5.10605$SF5.2...@ozemail.com.au...
Danny Rohr
> Great - my claim is with Just Cars too! 51K stolen '96 Supra TT. So far I
> have sat through a four hour interview with a PI who wants to come back
for
> more. I'm being treated like the guilty party. All they seem interested in
> is finding out things not directly related to the theft to try and put
> together the motive for a fraud case... (see Four Corners show) they
wanted
> financials, employment history, residential history, credit history, plus
> the usual stuff. It's unreal! I think the only protection is don't get
your
> car stolen!
Shit I hate fucken insurance company's, the biggest bunch of cunts in the
world. What the fuck are we paying for?
If other companys operated their businesses in the same way, they would go
bankrupt. Its like they comspire with each other on somekind of
"service/price fixing" deal where they all get to be shit and totally fuck
over a some poor bastard who does nothing but take the most pristine care of
their car.
Don't let them get away with it.
JB
"John G" <gill...@bigpond.com> wrote in message
news:7xAJ5.8653$e5.2...@newsfeeds.bigpond.com...
> I have had a couple of claims with NRMA in NSW with no problems (crashes,
> not theft). It will be interesting to see if there is a change now they
are
> a public company and not member owned.
>
Well, I think I've just found out. Just got a renewal. Up from $900 to
$1600. This for a 45 year old rating 1 driver, with no accidents/claims in
the past at all.
JB
Richard Christsen
saying your car has obviously been in a major accident before ... my car had
never been hit before ..... they also would pay or repair my custom rear
bar and have had to have a standard bar out on it .... this all combined
with rude, inexpirence, and people who cannot make on the spot decisions
.... all from a customer service orientate insurance company. .... they have
certainly lost any business that I may have ever had with them...
ohh I am not with them and never have been
"Neil Fisher" <NeilFisher@_NOSPAM_magnecor.com.au> wrote in message
news:39f917c7...@news.zeta.org.au...
Richard Christsen
"Andrew Worley" <al...@ozemail.com.au> wrote in message
news:UTWK5.10605$SF5.2...@ozemail.com.au...
Noddy
"JB" <john_b...@hotmail.com> wrote in message news:39fd7316$0$28140
>
> Well, I think I've just found out. Just got a renewal. Up from $900 to
> $1600. This for a 45 year old rating 1 driver, with no accidents/claims in
> the past at all.
Jesus H fucking Christ!!!
What the hell kinda car do you have?
Regards,
Noddy.
Andy
"Richard Christsen" <chri...@bigpond.com> wrote in message
news:MllL5.11701$e5.3...@newsfeeds.bigpond.com...
Andrew Worley
They are a subsidiary of AAMI. Doesn't help much though. In fact I think
that this is why there was such a delay, in my case: they used a AAMI
assesor, who could only give the go-ahead to the repairers after Just Cars
had 'authorised' the claim, so if either party has a delay, nobody bothers
to check up on it as it's "not their job".
Just Cars actually told me that since they were only a subsidiary of AAMI,
and that they work through AAMI and don't have the same resources, that they
don't really offer any customer service, just car insurance (hence the
name).
Which is fine, but you'd still expect the car to be in better condition
*after* being 'fixed', than it was when recovered!!!
<sigh>
Andrew
Richard Christsen <chri...@bigpond.com> wrote in message
news:MllL5.11701$e5.3...@newsfeeds.bigpond.com...
Martin Taylor
No> Jesus H fucking Christ!!!
No> What the hell kinda car do you have?
Knowing JB, it probably flies.
.. Fishing - Passive Hunting
MJT
ICQ # 7571374
Take a "p" out of gipps for an email reply
Gippsland, Victoria, Australia