Insurance Renewal

[McGirr]

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

[woolgoolgaoffroad]

far out ....the savings soon ad up

[Bird]

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.

Awesome savings.. . but this part still sticks in my mind....

[discoteddy]

That's incredible mate, similar with GIO, we have 5 policies with them and two green slips. They only want to look at my premiums when I call to cancel policies. Might give Youi a call next year....


Cheers

Disco teddy.

[Kangaron]

Not insured with them but have had a few discussions with those that are.
Seems those that have not made a claim are very happy.
50% of 'claimants' were happy.
The 50% got an email saying " we are not renewing your policy"
Only from blokes I know.
They love small cars doing the school drop offs etc

[McGirr]

Awesome savings.. . but this part still sticks in my mind....

Agree Lost, hopefully I will never have to find out but I suppose like all insurance companies they all promise the earth until the magic word "claim" is mentioned.

Mark

[Bird]

Agree Lost, hopefully I will never have to find out but I suppose like all insurance companies they all promise the earth until the magic word "claim" is mentioned.

100% correct Mr. and yea, lets hope theres no need to talk to them again!

[GGV8Cruza]

I tried a quote with them a while ago and it was the opposite, well above my premium with AAMI, suppose its where your located

GG

[MrCruza]

Give Shannons a call. Found them better than Youi. Had one claim (no fault) and no issues at all.

[Kiwijohn]

Mark

That is great savings - I will have to look into them.

I am currently with NRMA and like the fact they will cover me off road as well, does Youi do this.

Would not be a game changer for the wife's car but would have to think long and hard about it for mine.

Thanks

John

[Swannie]

Give Shannons a call. Found them better than Youi. Had one claim (no fault) and no issues at all.

Yep I have the Torrie & the cruiser with Shannon's. $5k better agreed value than aami for $20 a month less
Swannie

[D4D]

Mate of mine had his car repaired, front end damage, by youi. They used 2nd hand parts for most of it and had 3 goes to fix the front end geometry. Suffice to say he's not with youi any more.

[Kiwijohn]

Just quickly read Youi's PDF, two interesting points
- unbraked trailers are covered up to a maximum of $2500.00. Will have to check if this is the case on my policy, it may even be industry standard for all I know.
- you are not covered in off-road adventure parks but they do lot specifically list off road as an exclusion. A phone call and question is needed to get final ruling.

Worth further investigation when my policies come up for renewal.

Thanks

John

[griz066]

Youi convert here as well house & contents car caravan & pet all insured saved $80 per week. Was with QBE for 17 years without a claim and increases in premium each year. 17x4k = 68k I could have paid of my mortgage. Kicking myself for not doing it earlier like I always threatened to do when the bill came..

[Rusty]

Some people I know was insured with that mob and was told over the phone they cover floods after the 2010 floods so they changed to the said company than in our 2013 floods in bundaberg and there house getting flooded they rang them to put in a claim and were told they were not coverd as there terms and conditions. So please read there terms and conditions before going with them and there was more in bundy with the same problem

[McGirr]

They did say flood is not covered. It also depends on post codes, how your information stacks up with their requirements and what risk factor you are. Every insurance will vary for each individual.

Mark

[GraemeL]

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.

[nab]

I tried insuring with them but as soon as I said " 2" lift" they said sorry no thanks...

[ATC]

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?

[Chris-Vi]

I moved our house and contents to Coles Insurance last year from NRMA. Their insurance went up so much it was a joke. Rang them but the answer I got was that was the best they could do. Had been with them for years and had 1 small claim. Still with them for car and caravan insurance at the moment. It is worth shopping around. 

[DropBearRacing]

I've been with NRMA for the last 24 years and can't fault them. We have all our insurance with them 2x cars, house, contents, travel.   I've found that if you call them and try to get a reduction they won't do it but if you go into a branch they will always knock some off.  Every year at renewal time I take my policy in and they reduce it. I just renewed the xtrail policy and they knocked $20.00 a month of that policy.

[elle.mac]

We went with cgu overall great customer service and their bonus discount program is great.

[fishfinder]

I tried a quote with them a while ago and it was the opposite, well above my premium with AAMI, suppose its where your located

GG

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

[letsgo]

Give Shannons a call. Found them better than Youi. Had one claim (no fault) and no issues at all.

We are with Shannon's too on the Ute, we had a hail damage claim and they were excellent. We found in ringing around it depends on what mods etc you have done to the vehicle as well. Since we have done a few mods and especially the canopy which was a big cost, we had issues finding an insurance company to cover us for enough. Shannon's was pretty close. We were with NRMA who did cover us but their premium when up heaps and they wouldn't drop even though we also had all our policies with them. We are moving them one at a time.

[dazzler]

Insurance is weird.  I may have told this story before but years ago I had a 2.8 4runner insured with AAMI. 

Fitted a safari turbo which took it from mind numbingly slow to simply slow.

AAMI wouldnt insure it any more.

Went to a specialist insurer - cheaper insurer than pre turbo.

They were underwritten by AAMI.