read the fine print and make sure your not in an flood area what can be checked by local councel .
an lot of people down the road here can't get any insurance because of that
John
-- Edited by Cruising Cruze on Friday 22nd of March 2013 10:37:14 PM
landy said
11:02 PM Mar 22, 2013
Also check what their policy is on your home being unoccupied while you are traveling ( if this is the case with you ). A lot of companies are refusing new policies if you tell them you are going to be away for long periods. Not telling them can void your policy anyway.
Landy
-- Edited by landy on Friday 22nd of March 2013 11:05:07 PM
Patto44 said
12:12 AM Mar 23, 2013
Hi all, Has anyone used Woolworths for house insurance?????
My policy is due soon and I just got a quote from them which is about 20% cheaper than the next chepest quote.
I am always cautious about 'cheap' prices, but it is a large company.
Hoping someone has had dealings with them.
Thanks.
Patto
rockylizard said
02:01 AM Mar 23, 2013
Gday...
Like everyone else, I am always trying to spend as little as possible on items I need (or must have). However, when it comes to insurance, on anything, the only way to choose is to make sure the company provide you with their Product Disclosure Document and a Policy Document.
Read these very carefully. Read, and understand, the 'events' that are covered by the policy and more importantly, read, and understand, the 'events' that are NOT covered.
Additionally, check the claim values for each item that will be covered under their "accepted events".
Now you will have a fairly good idea of what you will get for your outlay.
Obtain quotes from other companies and repeat the above process regarding Product Disclosure and Policy Documents.
Do not make your decision on price (well, not on price alone) but on what you will be covered for and that that cover includes the things you want/need covered AND to the value that is representative of the items.
Your question on here regarding comment/advice on the "claim setttlement history" of a company is also a very valuable criteria.
Cheers - John
vk6tnc said
05:37 AM Mar 23, 2013
I live on a hill and SGIO hit me with compulsory flood cover this year
Cruising Cruze said
05:38 AM Mar 23, 2013
would check out by phone with them
The dog lady said
11:04 PM Mar 26, 2013
vk6tnc wrote:
I live on a hill and SGIO hit me with compulsory flood cover this year
My house is also on a hill, and before January 26 I would have said it's not possible for it to flood (in fact I said as much to AAMI when I queried the price hike on renewal). But the water came to within 6" of the foundations, and the rivers covered many kilometres of land that has never seen flooding since settlement. My sheds went under, and just for the things stored in them the flood cover is worth it.
The dog lady said
11:07 PM Mar 26, 2013
Given the way they looked after me when my whole house and contents was destroyed by fire, I will stick with AAMI regardless. The personal case manager, the respect and empathy, the prompt service; everything you could ask for in difficult times and there wasn't much diff in the premiums
Patto44 said
12:26 AM Mar 27, 2013
Thanks all for the input. I am pretty savvy when buying insurance and stuff, but was hoping that someone may have had dealings with them so I could gauge their reliability.
The quotes I got varied up to $1800 (NRMA) down to $ 800 from woolworths for pretty much the same cover.
read the fine print and make sure your not in an flood area what can be checked by local councel .
an lot of people down the road here can't get any insurance because of that
John
-- Edited by Cruising Cruze on Friday 22nd of March 2013 10:37:14 PM
Also check what their policy is on your home being unoccupied while you are traveling ( if this is the case with you ). A lot of companies are refusing new policies if you tell them you are going to be away for long periods. Not telling them can void your policy anyway.
Landy
-- Edited by landy on Friday 22nd of March 2013 11:05:07 PM
Hi all, Has anyone used Woolworths for house insurance?????
My policy is due soon and I just got a quote from them which is about 20% cheaper than the next chepest quote.
I am always cautious about 'cheap' prices, but it is a large company.
Hoping someone has had dealings with them.
Thanks.
Patto
Gday...
Like everyone else, I am always trying to spend as little as possible on items I need (or must have). However, when it comes to insurance, on anything, the only way to choose is to make sure the company provide you with their Product Disclosure Document and a Policy Document.
Read these very carefully. Read, and understand, the 'events' that are covered by the policy and more importantly, read, and understand, the 'events' that are NOT covered.
Additionally, check the claim values for each item that will be covered under their "accepted events".
Now you will have a fairly good idea of what you will get for your outlay.
Obtain quotes from other companies and repeat the above process regarding Product Disclosure and Policy Documents.
Do not make your decision on price (well, not on price alone) but on what you will be covered for and that that cover includes the things you want/need covered AND to the value that is representative of the items.
Your question on here regarding comment/advice on the "claim setttlement history" of a company is also a very valuable criteria.
Cheers - John
My house is also on a hill, and before January 26 I would have said it's not possible for it to flood (in fact I said as much to AAMI when I queried the price hike on renewal). But the water came to within 6" of the foundations, and the rivers covered many kilometres of land that has never seen flooding since settlement. My sheds went under, and just for the things stored in them the flood cover is worth it.
Given the way they looked after me when my whole house and contents was destroyed by fire, I will stick with AAMI regardless. The personal case manager, the respect and empathy, the prompt service; everything you could ask for in difficult times and there wasn't much diff in the premiums
Thanks all for the input. I am pretty savvy when buying insurance and stuff, but was hoping that someone may have had dealings with them so I could gauge their reliability.
The quotes I got varied up to $1800 (NRMA) down to $ 800 from woolworths for pretty much the same cover.
Cheers,
Patto