Time for renewal - well I could just pay the current but as it was up a bit I decided to do some research.
Reviews online trends suggest high rating for many with low premiums but low ratings for claims. I guess this seems logical however the companies with higher premiums still have poor ratings for claims.
Price range is huge.
Any advice on an insurer with low premium and ok claims history?
Select to expand quotemineral1 said..
Shannons
I did a check reading many reviews and no better than others when it comes to claims
Sad isn't it 289 reads one suggestion thats a dud as well.
Hopefully the insurance companies read SB as no one will recommend them.
Long term RAC no-claimer until they knocked me back a new windscreen because I had the audacity (stupidity) to be honest and say it was hideously sand-blasted and therefore unsafe instead of just chucking a hammer through it.
Changed to Youi, got a couple of hundred bucks off what I'd been paying, hit a roo in the first three months with them and had an easy $5,500 payout. Hope that helps.
Insurance is just a probability game and the insurance companies know how to win. They make a fortune based on the accident rate of the average driver. If you have the co-ordination, reflexes and awareness to pilot a windsurfer or kitesurfer, and apply them to driving a car, you can swing the odds of not having an accident even further in your favour.
I learnt all about probability in year 12. I've never comprehensively insured a car in over 40 years driving. If I write one off now I can buy another and still be ahead of the game.
(third party property is worth getting, you might run into something really expensive that might break the bank)
Select to expand quoteIan K said..
Insurance is just a probability game and the insurance companies know how to win. They make a fortune based on the accident rate of the average driver. If you have the co-ordination, reflexes and awareness to pilot a windsurfer or kitesurfer, and apply them to driving a car, you can swing the odds of not having an accident even further in your favour.
I learnt all about probability in year 12. I've never comprehensively insured a car in over 40 years driving. If I write one off now I can buy another and still be ahead of the game.
(third party property is worth getting, you might run into something really expensive that might break the bank)
I have found that for older cars, comprehensive is only a little bit more than 3rd party, so in my case, it makes sense to spend an extra hundred or so and get that extra level of protection... such as it is when the car is only worth 3 grand and any small damage is probably enough to write it off.
One thing that changes your view a lot I think is if you commute to work in Sydney. The drivers are so bad sometimes that its hard to believe. Comprehensive will help a bit if some idiot runs into you and you don't have the hassle of chasing someone up for them to pay you.
Believe it or not Coles through Wesfarmers Insurance. Backed into post with new Xtrail and they got it fixed $3000 no problem at all.
Select to expand quoterockmagnet said..
Believe it or not Coles through Wesfarmers Insurance. Backed into post with new Xtrail and they got it fixed $3000 no problem at all.
You're not getting cause and effect mixed up here are you?
Select to expand quoteIan K said..
Insurance is just a probability game and the insurance companies know how to win. They make a fortune based on the accident rate of the average driver. If you have the co-ordination, reflexes and awareness to pilot a windsurfer or kitesurfer, and apply them to driving a car, you can swing the odds of not having an accident even further in your favour.
I learnt all about probability in year 12. I've never comprehensively insured a car in over 40 years driving. If I write one off now I can buy another and still be ahead of the game.
(third party property is worth getting, you might run into something really expensive that might break the bank)
Well worth listening to this post
Select to expand quoteIan K said..rockmagnet said..
Believe it or not Coles through Wesfarmers Insurance. Backed into post with new Xtrail and they got it fixed $3000 no problem at all.
You're not getting cause and effect mixed up here are you?
I think my response was exactly that WarwickI was asking for. So no, I'm not mixed up , just another case of someone over thinking it.
