MySwag.org The Off-road Camper Trailer Forum
General => General Discussion => Topic started by: Mallory Black on September 02, 2015, 09:44:28 PM
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Just asking around, This insurer promotes themselves as being great as saving you money on premiums because they know you better.
Had a quote from them recently and they were the most expensive of all the insurer's I got quotes from.
They were more than double the cost of the insurer we settled for.
this was for a 20 y/o p plater
My question is, have any swaggers insured with this company and saved money as they say they do?
If so, what kind of policy did they beat? because they don't mention that in the ads, just a smiling person with a number.
Coles is the same come to think of it but they never quantify or back up the figure in the advert
dodgy as I think but interested to see if anyone has had a win with them?
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no help here, I had the exact same thing as you happen.
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Called them when we got the boat, the young guy went through his script asked all his questions & arrived at the somewhere north of $650 / month, NRMA did it for $68 / month.
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They like office workers who catch the train to work and pull the car out on Sunday to visit the local church.
Mention 4wd and they shut up shop.
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I think Ray Hadley from radio 2GB had a stoush with them in the last day or so. You might be able to Google it to find out what it was about.
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Thanks for the feedback, staying away in that case
thanks
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I dont even bother with youi anymore. I had their 3rd party cover for my last cruiser that was written off. Cancelling the policy because the car was no longer around was a hassle - wouldn't have been such an issue if I had another car to move the cover over to I suppose. But what really Shits me is when I'm doing the online quote check of a few companies they never give you a price and insist that they need to ring you and then try everything in the book to sell you a policy on the spot
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I know a bloke who worked in one of their call centres.
Strict script to work off, timed calls and sell, sell, sell.
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By and away the most expensive, I've found. Youi, we know your wallet better..
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I think its called "advertising".
There is no obligation to substantiate the claims they make.
It must be true cos they are telling us so ????
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Around $400 a year cheaper than what I was paying, and one of the only ones that would insure the Patrol due to the roll cage.
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Ive been with them a few years now, have always been cheaper than the few other quotes i could be bothered getting. Have never had to make a claim though so cant comment on that side of things. Considered going elsewhere last year but i was put through to someone with more "say" and they could do me a better deal conveniently, who was i to say no.
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Saved us $120/month over Suncorp.
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Probably based on their risk profile of the information you supplied: 20yo p-plater.
If instead you were a 40yo single male with a 1.6L shopping trolley, no history of accidents, no history of infringements and the car was locked up 99% of the time it would probably be a good deal.
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Listened to the Ray Hadley segment on this mob....they wouldn't pay the insured bloke even though he wasn't at fault...because the at fault driver was deemed to have had a medical episode, so wasn't "at fault"....even though he hit the insured blokes car..?????
Anyway, Ray Hadley got stuck into him ( the CEO was sth african and so is the company ) and after heaps of people took their business elsewhere , they changed their mind and are now going to pay the bloke !!
Would you feel confident they would pay on ANY claim ??
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They were the cheapest for me - but then I'm not a P plater, car is used mostly for trips to the station and the occasional road trip and some off road. But they've insured me for an agreed value on all accessories (lift, spotties, etc etc.) Unlike a few who as soon as I said I had a 2"lift refused to touch it.
Never had to make a claim though.
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I honestly believe with insurance (Car House, Life) you get what you pay for and normally insurance companies fall into 3 categories
Dirt cheap premiums, but at claim time they give you the run around and they will do anything to get out of paying your claim
Medium priced premiums – Claim time they will give you the run around, but eventually they will honour your claim.
Higher priced premiums – If you have gave the correct details when taking the policy out they aren’t going looking for ways out and normally your claim is fast and hassle free.
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Probably based on their risk profile of the information you supplied: 20yo p-plater.
If instead you were a 40yo single male with a 1.6L shopping trolley, no history of accidents, no history of infringements and the car was locked up 99% of the time it would probably be a good deal.
Actually..no..
Just bought the wife a train-station gofer - 12 year old Daewoo Matiz.. 43yo, never had an accident, clean license. Locked in garage overnight, only to be used to get to station when it's wet ( she normally walks there ).. YOUI - $349 / year third party fire theft. RACWA $189 comprehensive. Guess where my money went.
Having said that.. I had a previous gofer insured with them just when they came on the market 6 years ago or so- was a competitive price, and when it got stolen, they paid within days.
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I got some quotes for a camper trailer, Youi where cheaper than RACV, CLI, AAMI and Apia, Apia would have been a bit cheaper if I was a bit older and not working full time.
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I think its called "advertising".
There is no obligation to substantiate the claims they make.
Wouldn't that be "Bait" advertising, or at least false advertising.... ???? Fairly sure both of them are ****ed and illegal....
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Wouldn't that be "Bait" advertising, or at least false advertising.... ???? Fairly sure both of them are ****ed and illegal....
I wouldn't have a clue, but the savings they advertise may be genuine but not be available to everybody cos "we're all different".
I would think that all advertising is "bait" by nature, trying to get people to buy their brand or Shit they/we dont really need
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They save you money because you have provided them with so much info that if at the time of the claim any of it is wrong they have reasonable grounds to decline the claim due to non-disclosure.
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Got quotes for camper trailer from them, they were to be cheaper so did some research and read some reviews about their claims side of things and in the end didnt risk them due to lots of bad ratings.
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I have tried to use them because they are based on the Sunshine Coast and employ heaps of local people..........but for me they just cannot get close to the other mainstream insurers.............I even emailed one guy the other quotes I got to try and prove it to them but to no avail..............
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I have tried to use them because they are based on the Sunshine Coast and employ heaps of local people..........but for me they just cannot get close to the other mainstream insurers.............I even emailed one guy the other quotes I got to try and prove it to them but to no avail..............
I've just realised, I've swapped at last renewal. It was cheap for me when I first signed up as I got a joining discount, but the next year renewal was way more, so I went to other insurers to quote. I called Youi back and they wouldn't match the quote, so I swapped.
I wonder if they rely on people b img lazy once they've signed you up. I always ring around
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They pestered me with an e-mail wanting feedback.
I was in the mood so they got told they are a joke and nothing but a bunch of slicked up hipsters in black skivvies who know that there's a lot people out there who will take their advertising claims at face value and then get fleeced by their chained slaves in the call centre.
If a business gets on national TV and say they'll save you money because they 'get you' and don't make assumptions, then one expects that if you are a low risk you'll do well and if not then their premiums should at least be ballpark with the rest. but that's clearly not the case.
In my family for services like insurance, telecoms etc we are loyal to the company that looks after us all and in return we get the multi policy and family discounts and a fair shake if there's a problem to be solved.
Similarly if one of us gets stuffed around we are likely to be "all out" so the impact to them is several times what it could be to an individual
Coupled to a claims experience that appears to be very patchy after hearing the Ray Hadlee article then they are off the list big time.
Hoping they take the bait and send me another e-mail!
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Firstly let me say I have a vested interest in a certain Insurance Mob.....
What people need to realise is that all business' will at certain times try to buy a market share by offering cheap products to certain segments of the population. Statistically, drivers over 30 are less risk than P platers etc and this is usually the segment targeted.
The real value of insurance is being able to talk to a person "Face to Face", who can offer you the best $ vs Benefit product AND then be there to back it up if something goes wrong.
Remember what the banks have done, closing branches when people stopped using their local office. I am not saying that people should pay $$$'s more by using a local office but if you do get a cheaper quote on line [or phone], drop in to your insurer's branch & talk over your options.
Insurance is money that you pay out in the hope that nothing goes wrong.
Hem
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Saved over 2k/year swapping house and 2 cars from suncorp to youi. I have claimed twice and it has been flawless. I personally have found their service friendly and professional. Every renewal they up my premiums by about 100 each. I call them up and say what the, and they take it back to the previous years premiums. This years premiums are actually cheaper than the year before. Never saw premiums go down with suncorp.
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They save you money because you have provided them with so much info that if at the time of the claim any of it is wrong they have reasonable grounds to decline the claim due to non-disclosure.
Bingo!
I stick with the mainstream insurers and keep everything insured with the one company. 3 cars (1 is a P plater) 70's caravan, Jayco camper plus house and contents. Gives a little more leverage at claim and renewal time.
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Weird re Youii being expensive, I have all my policies with Youii, house, contents, car and 2 motorbikes. Their prices blew everyone out of the water and saved me a packet annually ! I always talk direct with a real person who is friendly and attentive, I couldn't be happier, have been with them now for maybe 4 years. Haven't had a claim in that time though.
I am low risk, over 30, country town, low risk 4wd etc etc
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No connection with the company other than as a customer of 6 or 7 years.
Started with just one car, and over the time have gradually moved other policies to them as their quotes appear competitive. Now have 2 cars, camper, and house & contents with them.
At renewal I do have to phone for a better quote but at least you get a phone number for someone based in Australia.
Like many, the more policies you have, the better discount offered.
Have had 2 motor claims and every pleased how they were handled. Again, Australian based team and good choice of repairer.
Had a less favourable experience with Coles! (I'm a share holder in Wesfarmers but wouldn't use their insurance again)
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Insurance is money that you pay out in the hope that nothing goes wrong.
Hem
And I can only go on those 2 radio interviews to judge by, but if that's how they run their business, you can only hope nothing does go wrong !!
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You can't use one particular quote or circumstance to say they are expensive or not.
NRMA is cheapest and best service for the expanda, you I for the Prado.
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You can't use one particular quote or circumstance to say they are expensive or not.
NRMA is cheapest and best service for the expanda, you I for the Prado.
interesting point there dazzler re the prado pricing. Suncorp wanted 1700 to insure my prado, I told them to jam it, youi does it for around 700 I think. When I told youi i wanted to insure a prado, she mention they are very competitive on prados (not sure on the reason here). Also have a camary, they were not as competitive on the camary, but it wasnt enough of a prince difference for me to bother going with another insurer for the camary. Youi has all our business.
I have friends with Youi also, they have had multiple claims with Youi and can not personally fault their service.
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The first quote from them was monthly, the cost of other's yearly cost!!!!!! Was sure they made a mistake but they checked it twice. Their policy would have cost 12 times the competitors.
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They were more than double the cost of the insurer we settled for.
this was for a 20 y/o p plater
Just saw this bit. They don't want the risk of a p plater hence the huge quote.
We had the same thing with youi. The bloke actually said as much when we did the same with our 18yo.