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Old 02-06-2002, 21:19   #1 (permalink)
Old Car:BA XR6 New: 97 EL
 
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Insurance Woes

hehe ok. I cannot beleive my luck here.

I rang GIO a couple of weeks ago to ask if I added an XR Front and Body Kit, would it be covered.

They said OK, just ring us and we will add the value to your policy.

So I ring to add it on, and they kick me out!!!! They said the car is now modified and they will not insure it!!!

I am on the phone at present trying NRMA...
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Old 02-06-2002, 21:22   #2 (permalink)
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Did you get it in writing?
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Old 02-06-2002, 21:27   #3 (permalink)
 
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UN-BLOODY-BELIEVEABLE!!!

what a bunch of incompetent morons! nrma is most likely going to give you cover, don't worry.

btw, you've gotta post some piccies asap man! :)
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Old 02-06-2002, 21:27   #4 (permalink)
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Go to http://www.iecltd.com.au/index2.html? and lodge a complaint. Strictly you're supposed to write to your insurer first, but you're uninsured and it's urgent, so stress that to IEC.
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Old 02-06-2002, 21:29   #5 (permalink)
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mmmmm...... what did Ford Insure say?
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Old 02-06-2002, 23:21   #6 (permalink)
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Also try AAMI. They will allow up to four mods so long as legal. NRMA don't like mods that are not factory compatible. eg. 16 x 8" rims, exhaust, tint, body kit.

Be interesting to see how you go with NRMA and the factory XR front end.

Make sure it's all in black and white and read all the paperwork.
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Old 02-07-2002, 02:36   #7 (permalink)
Old Car:BA XR6 New: 97 EL
 
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Thanks Guys.. NRMA Where excellent..

Got a fantastic Price, and fantastic service!!!
They where happy to accept the body kit and front.

GIO's attitude was downright disgusting, and I intend to take it further, and make a formal compaint to the IEC etc...

Thanks!
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Old 02-07-2002, 02:37   #8 (permalink)
Old Car:BA XR6 New: 97 EL
 
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Guys/Gals..

The pics are now up in the showroom section!! Let me know what you think!!
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Old 02-07-2002, 15:07   #9 (permalink)
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It might be more serious than you realise. It appears GIO cancelled your policy. You are usually asked on a proposal whether you have ever had a policy cancelled. If you answer yes, alarms go off and the insurer often doesn't want you, which might amount to having a proposal declined, which is another question you are often asked, so now you're a two time loser and doubly unattractive. Failure to disclose a cancellation may be grounds for an insurer to cancel a policy or avoid liability on a claim.

Under Section 75 of the Insurance Contracts Act http://www.austlii.edu.au/au/legis/c...84220/s75.html
the insurer is required to give you a written statement of the reasons for cancellation if you request it in writing, although no time limit is specified, so write to GIO:

" Pursuant to S.75 of the Insurance Contracts Act, I require a statement of reasons for cancellation of my policy number ........
I also require an explanation of the reasons for cancellation after I was specifically advised by you several weeks beforehand that the modifications to my car were acceptable. I require this information within 14 days of the date of this letter. I draw your attention to the substantial fine which can be imposed on you if you fail to provide the reasons for cancellation."

The aim of the exercise is to get the insurer to reverse the cancellation decision, which might require IEC's involvement, so that you have a clear insurance record for the future.

.
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Old 02-07-2002, 18:55   #10 (permalink)
Old Car:BA XR6 New: 97 EL
 
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Well, I rang GIO today, apparently its still an active policy.
So I cancelled it as of Monday the 4th, (When my Direct Debit came out).

Technically I cancelled the policy, as They said I could insure it as a Stock Standard XR6 with them for 100% increase of the premium.

I said NO, its technically a forte as per the compliance plate. They said well we will not insure a forte with a body kit etc..
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