We're with AAMI for everything. They're not the cheapest, but we have never had any problem at all claiming. They're quick and the repairs are always good.
FWIW - My aunty was insured with RACV - they only found out their car was a write-off when they came across it being driven to a wrecker on the back of a tow truck. The repair was only one side front panel worth of damage. When my aunty brought it to the attention of RACV, they got it back from the wrecker and fixed it. Lucky they saw it being towed there! Another friend was with RACV too and they accused him of stealing his own car when he reported it stolen. I like that I can ring my insurance company and they smile over the phone.
We're with AAMI as well. Was the most competitive quote for our car type for where we live.
Have dealth with an at fault claim with them and they have been fantastic.
I also dealth with them as a towie years ago and they were by far the most professional and transparent.
Hmm... we're with RACV. We had ING for house & car insurance and checked RACV as we have roadside assist and they were cheaper so we switched everything to them. I have no idea of the fine print on any of our policies or whether another company (other than ING) is cheaper. I need to focus on insurance one of these days...
We are with GIO. Both cars are comp insured with them as well as our home & contents. So we get a nice discount with the few policies we have with them.
I drive a 99 Holden VT (paid 4 grand cash for it) and its insured for an agreed value not market value (rrp is around the 5-6k mark) never had to claim with them (im still on my green P's) but my total cost is around $750 a year, that is becuase DP has a 60% bonus which I am also entitled to **YAY**
DP's car is valued at 13k and his annual fee is around the $1200 mark.
Because I'm on my greens most places quoted me $1200 a year and upwards. St George even quoted me SEVEN GRAND!!!! .. unreal so definately shop around!
After seeing a report on TT/ACA on AAMI repairs a night or 2 ago I'd be a bit frightened to use them. I know not all repairers are shonky, but at least I can choose who I want to go with.
Thanks for all the feedback, it certainly helps to have opinions based on both price and previous experience. I guess I am lucky that I have never had to make a claim so have not actually had to deal with an insurance company.
So, look around, compare prices, consider bundling if price is right, read fine print and look for a company with a good service record. Sounds possible!
I had not considered the option of choosing your own repairer: thanks Naenae.
We changed from AAMi to REAL - Pay as you drive as they were much much cheaper. We clock up less than 7500km per year and saved over $500 on our insurance. Just after we changed we had that huge hail storm and had to get our car fixed. They were fantastic to deal with and we had no issues with our claim at all. They even called me to follow up which was a shock!
We are currently with CGU (DH is in insurance, used to work for them. And he's not one of those dodge door to door sellers haha) But we've er, had a few minor 'incidents' and they've been great at replacing stuff and getting it fixed. Home and contents are with them too. (We don't get any special treatment, most of the dealings were after we left with people who don;t know he worked for them.)
Though - we are switching to QBE when we replace our car. They're cheaper and he said something about their policy wording being a bit more friendly?
Obviously I let him handle it but thats what he's said about it.
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and they were by far the most professional and transparent.
**YAY**
.. unreal so definately shop around!
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