Insurances...

[Taurean]

Speak to AAMI! I did that when ours increased and they reduced all of our policies without a second thought.

[Rowellen]

If you are happy with aami, I would speak to them. If you have a quote for a cheaper price, a lot of companies offer to match it or sometimes better it.

I did a bit of shopping around when we got our renewal notice (I pay annually). I couldn't get close to what we are paying for H&C with Budget. I've never had to claim anything yet but when I've rang for other things, the service has been great. We have H&C and two cars with them.

[Catastrophic]

So I went and did the ring around today to a few places. Aami is the most expensive, But they are covering me for a lot more and I do know what their services are like. I did ring up Aami and he did say for me to call when my renewal time is up and we can talk discounts then... I'll suck up the extra I am paying for the security I know that everything is covered.

Aami is covering me for more on my house, and extras - that the others didn't offer.
aami is covering me for my agreed value of my care $5 grand MORE then what any of the others offered.

[Rowellen]

It's so hard to compare apples with apples when they all have such different fine print . It sounds like aami is offering you good coverage. Good luck negotiating a discount.

[Jaycee]

It's so hard to compare apples with apples when they all have such different fine print . It sounds like aami is offering you good coverage. Good luck negotiating a discount.

Exactly right! The fine print on all the insurance companies vary so much, it's so difficult to know what one company provides, compared to another!

One word of advice, stay away from companies such as REAL or you, they have a lot of "extra" conditions in their fine print that others don't have.

[Livinthedream]

One way to lower your premiums, esp on car insurance is to up your excess.
I bumped mine up to $1100 (the max) and it dropped my insurance by a couple of hundred per annum.
I have only ever made 2 claims on cars in my life, one was a write off, the other was $11000 in hail damage, so I figure my odds of claiming on minor repairs are not great, and really, if I have to cough up $500, it may as well be $1000 KWIM?

[Livinthedream]

One way to lower your premiums, esp on car insurance is to up your excess.
I bumped mine up to $1100 (the max) and it dropped my insurance by a couple of hundred per annum.
I have only ever made 2 claims on cars in my life, one was a write off, the other was $11000 in hail damage, so I figure my odds of claiming on minor repairs are not great, and really, if I have to cough up $500, it may as well be $1000 KWIM?

[Gigi]

i see a company called iSelect advertised a fair bit, or is it Choosee? where you put in your needs and they tell you the 10 best insurance companies, for what you are after.

Other insurances are LIFE insurance and Disability/Illness insurance, to protect you and your family, if you broke your leg, or something that stopped you earning for a while (so normal bills would still get paid).

Some companies give you a discount for bundling multiple insurances with them, or even staying with them, to keep you from going elsewhere.

Then there is Pet Insurance, which i know nothing about, except vet bills can be huge.