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.
I have delt with swann insurance when we had a 4 car pile up and they were sooo easy and polite to deal with.
Another thing to keep an eye out for is a hire car if u ever need one. I think aami doesnt cover u for that (u pay for it yourself) with gio they provide a car for u.
I am insured with Just Cars. They are quite inexpensive, I am under 25 and drive a brand new convertible and I pay less than $100 a month... although, I am not happy with the service they provided me with when I was involved in a car accident last year (I wasn't at fault).
My car was purchase for $42k, someone drove into me from behind when I was parked at the lights and pushed me into 2 cars in front causing $30k worth of 'cosmetic damage' to my car alone, and they refused to write my car off because there was no structural damage.
A 12 month old car worth $40k, and they fixed $30k of it instead of simply writing it off. To write it off they would have spent an extra $5k as my car was insured for $35k. They would have saved all the time and money in the labor it cost fixing my car. In the end it probably cos them $35k.
It took them 3 months to fix. 3 months I was left without a car and they didn't provide a hire car either. I had to pay $3k out of my pocket to hire a car on my own which the other guys company refunded when my car was fixed, 3 months later. Not happy
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