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post #1 of 4 (permalink) Old 04-23-04, 05:13 AM Thread Starter
Soon to become: Jake_XR6
Join Date: Dec 2001
Location: Melbourne (eastern)
Posts: 515
mad Problems with insurance paying out

Well there's another thread on insurance premiums etc. but I thought I would
start a topic on whether anyone has had problems trying to get insurance
companies to cough up the money when making a claim.

For instance I heard that AAMI will try absolutely everything so that they
don't have to pay out, but I would like to hear others opinions.

I had aproblem with RACV once to do with their "fine print". I had my XF
broken into with $1500 worth of stereo equipment stolen, a smashed window
and busted boot lock. It was third party fire & theft insurance, and RACV
didn't pay up since they didn't claasify it as "theft". They said that theft
constitutes when the vehicle had been moved from its original spot! Since my
car was only broken into, apparently this wasn't theft! Ok, so this actually is
in the fine print, but has anyone got any other stories where insurance
wouldn't pay up? AAMI is meant to be really bad.

PS. I had my car broken into twice near Crown Casino in Melb. DO NOT leave
your car parked on the street there, apparently the worst place in
Melbourne for break ins.

Wheels: 17" Series 1 XR
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post #2 of 4 (permalink) Old 04-23-04, 05:47 PM
Black Kat's Avatar
Join Date: Dec 2003
Location: Vic, Australia
Posts: 448
Re: Problems with insurance paying out

I got rear-ended two months out of the showroom, and AAMI came to the party straight up, and instead of just *repairing* the back bumper (which most of the quotes recommended), they sent out the assessment guy and he just shrugged and said.. we'll just get a brand new bumper in. Cost more because it's the whole back panel, and the panel on the car was only cracked a tiny bit. (thank goodness for the towbar, I can tell you!).

I was without my car for a whole day! No cost to me whatsoever. I haven't had any problems with AAMI so far. Whereas we've had problems after problems with all sorts of crap with RACV for our ute.

Evyl by plate, evil by nature.
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post #3 of 4 (permalink) Old 04-24-04, 05:36 PM
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Join Date: Apr 2003
Location: Moama
Age: 46
Posts: 1,165
Re: Problems with insurance paying out

agreed with Black cat here - after no end of crap from RACV, we changed over to AAMI.

All company cars are there too - after one had a small claim, same thing, no if's or but's - just fixed the car, and gave the car owner a taxi to and from work to eliminate the pain.

Well done to them - we have never looked back since the change.




" i will own another V8, just what type of body it's in is another question. "
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post #4 of 4 (permalink) Old 04-24-04, 06:21 PM
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Join Date: Jul 2002
Location: Adelaide,SA Australia
Age: 35
Posts: 1,966
Re: Problems with insurance paying out

well I had CGU not payout on a claim, stating that the car was under finance (it wasn't under finance at all as it turns out) and it took me 3 months to get my money.
I tried being nice as I work in a call centre and know what these people go though but in the end a lot of shouting and escallating was what got me my money.

Breathe! It's only the internet....
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