Insurance Renewal

[Barry G]

Spoke to an insurance bloke at the Wandin 4x4 show yesterday, he is e-mailing quote to work today, so I'll have it when I get back tomorrow.
He emphasised that coverage includes UN-named tracks. I also asked him about CT insurance and he asked who I'm currently with. When I told him CIL he said no point changing, as his company's policies are under-written by them, so wouldn't be any savings.

[nick_4x4]

I have been with NRMA for 10 years and have asked them on numerous occasions for a reduction in premiums having 3 policies with them. Each time it was only the odd dollar.

So after watching the Youi ads I thought why not give them a go.

The comparisons include the same excess. The cruiser is used only now and then.

Cruiser: insured for $15,600 .....NRMA  $85. 25 per month........Youi. $40.50 per month

Lancer: insured for $22,500......NRMA   $72.80 per month.........Youi. $59.40 per month

Contents: insured for $30,000....NRMA.  $39.40 per month.........Youi. $22.41 per month

Youi offer unlimited glass replacement for $50 each claim on all windows on the cars and will cover the cruiser on any road at the Cape plus up to $300 accommodation if a breakdown occurs.

The way Youi covers the value of the cars is that they will replace the vehicle like for like with approx the same kilometers plus other benefits.

A great saving. 

NB: I have no affiliation with Youi but thought it was worth mentioning. Like all insurance policies you should always read the product disclosure booklet and make sure the insurance is right for you. 

Interesting when I cancelled the policies with NRMA they said ok but we will contact you in 12 months and see if you would like to re insure with us. So much for loyalty.

Mark

Had the same thing with NRMA, we always paid up for the year, asked for a discount and we got $15 off for all our stuff (house, car, camper) for a year... mum works for Youi and i gave her a call we ended up saving more with them almost half what NRMA offered,  I tried quotes everywhere else and it wasn't worth the trouble, ive already had a call from NRMA asking if we would like to come back, the quote was more expensive then when i was with them.

Ive not had to claim yet so cant comment on their claims department.

[fuji]

Ended going with YOUI as they offered me a reduced  price as the CT sits in the garage most of the time.  So I only pay prorata when I take it out. Happy? Yep!

[muzza01]

I heard a couple of people talking about Youi at work last week. Similar storied of $$ savings. I might have to check it out.

[GraemeL]

No matter what insurer you go with, make sure they will cover you anywhere in the country, Beach, Bush Water Crossings, Deserts, etc. Obviously, they don't cover private property.

Mods are another thing to take into consideration, will they replace or pay out for all mods to the vehicle.

Towing is something to look into, if you are stuck in the middle of the bush miles off the main road will they foot the bill for recovery/towing?

Transport costs, will they cover all transport coats in the event you vehicle has to be transported back to the city?

Transportation costs, will they pay your transportation costs to return home?

Accommodation, will they pay for accommodation out in the country?

Hire car, do they supply you with a hire car?

New for old replacement in the first 5 years.

[Barry G]

No matter what insurer you go with, make sure they will cover you anywhere in the country, Beach, Bush Water Crossings, Deserts, etc. Obviously, they don't cover private property.

Mods are another thing to take into consideration, will they replace or pay out for all mods to the vehicle.

Towing is something to look into, if you are stuck in the middle of the bush miles off the main road will they foot the bill for recovery/towing?

Transport costs, will they cover all transport coats in the event you vehicle has to be transported back to the city?ô

Transportation costs, will they pay your transportation costs to return home?

Accommodation, will they pay for accommodation out in the country?

Hire car, do they supply you with a hire car?

New for old replacement in the first 5 years.

X200

A great price on 'cover'that doesn't isn't a great price but a waste of $....
As with other things, you get what you pay for.

[rocket327s]

Has anyone had dealings with APIA  ?

Quote difference between Suncorp  $858, & APIA  $618 = $240.
The only difference being APIA does not include windscreen & car hire extra $50.

Just wondering if anyone has had dealings with regard to repairs/claims.

I just spoke to them & asked why the insured value of my vehicle had dropped $5000 yet the renewal had increased by $150.  the reply was it depends on the accident risk of my suburb (I live rural residential) .. so if Jack & Tom down the road or someone in town has an accident my policy increases!

I have been with this mob for 20 yrs but i now fear we will be partying company this time around.

[D4D]

Has anyone had dealings with APIA  ?

I'm not that old

[Swannie]

Thought I'd get a quote of Youi. $400 a year  more expensive than Shannons!!

swannie

[brocky05fj]

I just changed the tug over to Shannons from NRMA.
Covered anywhere we are legally allowed to be, higher insurance value, halved the excess, no-extra cost for monthly repayments and $50 less.
Even covers 1 free glass replacement a year.
Bloke on the phone was super helpful.

Their green slip was $200 cheaper than NRMA as well.

Reduced the premium on the FJ and the SS while they were at it. Bonus

[vicandug]

Called youi for a quote on boat insurance, the young guy was polite and friendly, asked a lot of questions and was so proud to offer me boat insurance for only $630 / month.

No that is not a mis-type $630 / month.

He couldn't understand what I was laughing at him, he said it was the best they could do and it was very competitive.

All my other insurance is with NRMA called them, and combined with my multi policy discount they offered $48 / month.

Guess who I'm insured with?

[vicandug]

Called youi for a quote on boat insurance, the young guy was polite and friendly, asked a lot of questions and was so proud to offer me boat insurance for only $630 / month.

No that is not a mis-type $630 / month.

He couldn't understand what I was laughing at him, he said it was the best they could do and it was very competitive.

All my other insurance is with NRMA called them, and combined with my multi policy discount they offered $48 / month.

Guess who I'm insured with?

You own the Queen Mary???

[vicandug]

x 2 except I was comparing with CGU and are still  with them - but from memory Youii was a crazy quote I almost accepted their policy then realised they said per month not per annum

Same here GG. We stuck with AAMI.  Better the devil you know I guess.

[Bird]

anyone tried this one recently?

http://www.anfwdc.asn.au/insurance.php

Through

http://www.ajg.com.au/associations/4wd-australia#downloads

Car => http://arthur-j-gallagher.s3.amazonaws.com/downloads/ajg_4x4_motor_vehicle_fact_finder_2015.pdf

Camper => http://arthur-j-gallagher.s3.amazonaws.com/downloads/ajg_4x4_quote_form_camper_trailer_and_camping_equipment_2015.pdf

[chester ver2.0]

I have been with QBE for years, I did the rounds last year and decided to stick with QBE for our Dmax. They cover you anywhere in the country, beach, bush, desert etc.

For the CT I have CIL and contents are with Bendigo Bank, they also cover camping equipment included with the policy.

Same here QBE may be a bit more expensive but for my 2 claims break in and windscreen they never batted an eyelid and glass was done that arfternoon

My issue with YOUI is discounts are based on yourn habits (park in secure parking, short trip to work etc) what happens when you have a claim when you have stepped outside of your routine

[Bird]

My issue with YOUI is discounts are based on yourn habits (park in secure parking, short trip to work etc)

Lots of them play this game now.

what happens when you have a claim when you have stepped outside of your routine