We have held insurance with CIL for 5 years without a claim. A wizzbanger hit a car head on and ricocheted into our bull bar. I suggested that on iur way home we would call into the BB manufacturer and have it replaced. CIL want us to pay for the repair and THEN send the invoice and photos in for assessment!! $3500 and wait however long. NEVER EVER use these ppl. I am straight to KTI next renewal
JeffRae said
06:06 PM Jan 11, 2018
My understanding is that all insurance companies ask you to get a quote, assess the damage and then get it fixed. You have not followed the correct procedure, don't denigrate CIL until after the claim is settled. You may get a surprise and pay out sooner than your anticipate
Jeff
Peter_n_Margaret said
08:28 PM Jan 11, 2018
The way you have gone about this, they would have every right to refuse your claim completely.
Cheers,
Peter
Possum3 said
09:03 PM Jan 11, 2018
In modern cars with Air bags - it would most probably constitute an offence to continue to drive a vehicle with front end damage -Notwithstanding it is usual for all insurance companies - to assess claims rapidly and agree to either repair/replace damaged componentry.
If the insurance company were not contacted prior to repairs being effected - Peter is correct in that they are entitled to totally reject claim.
boab said
10:56 PM Jan 11, 2018
Have i read this wrong i take it Bas has damage to a bull bar he has not had it repaired as cil want him to pay for repairs then send the invoice in with a claim and hope they see fit to cover it. If that is the case i would not insure with them either the last claim we had to make was when a guy ran into the side of my wife's car our insurance told us to take to a panel shop she filled out a claim form at the panel shop and paid zero as she was not at fault. If cil want people to pay for repairs up front then how would you get on if it was a really big claim.
Meredith said
12:28 AM Jan 12, 2018
We have made 2 claims with CIL, both times we took the van to a caravan repairer and got a quote, contacted CIL who gave us a claim number which we gave to the repairer. They then paid the repairer directly. It was an extremely easy and quick process.
Wanda said
08:54 AM Jan 12, 2018
Why do I get the feeling we have not been told the "full" story. I am with CIL, have not had to make a claim yet, but have heard nothing but praise for CIL which is why I have gone with them.
regards
Ian
Kebbin said
09:11 AM Jan 12, 2018
If you told me your bullbar replacement was $3500 I would have asked the same of you.
rockylizard said
09:56 AM Jan 12, 2018
Bas + Eve wrote:
We have held insurance with CIL for 5 years without a claim. A wizzbanger hit a car head on and ricocheted into our bull bar. I suggested that on our way home we would call into the BB (bullbar?) manufacturer and have it replaced. CIL want us to pay for the repair and THEN send the invoice and photos in for assessment!! $3500 and wait however long. NEVER EVER use these ppl. I am straight to KTI next renewal
Gday...
I am with CIL and have had two claims in the past five years ... each was absolutely painless and went quickly, smoothly and very much to my satisfaction. I presented the van to a repairer, they took photos, emailed photos to CIL and approval, and claim number, within 24 hours and work commenced without fuss. I only had to pay the excess to CIL by way of online transfer.
May I take the liberty to suggest a possible scenario while we wait for any further clarification from Bas?
A vehicle, "whizzbanger", hit another vehicle and then bounced (ricocheted) into the bull bar. No statement of extent of damage, but most bullbars are of sufficiently strong construction to perhaps be a bit bent from such a minor (?) incident. One would be a bit surprised that the bar was so damaged it warranted complete replacement and also somewhat surprised that the replacement and any labour involved would amount to $3,500. Dare I suggest that if the bull bar was so damaged it required replacement, there would have also been some damage to the panelwork of the vehicle.
Therefore, one might safely assume, that the insurer, when presented with a potential bill of $3,500 for a 'repair' to a bull bar was a little cautious.
One might also assume that Bas was keen to get the bar 'repaired' by the manufacturer 'on the way home' and therefore may have sought permission from the insurer to progress the 'repair' immediately so they could be on their way with minimum of fuss and delay.
Insurer has therefore quite probably stated the 'repair' can be done but without admission of liability. The statement, we assume from CIL, that Bas would have to "wait however long" after photos and invoice were presented to CIL for them to consider reimbursing him for the payment to 'repair' the bullbar sounds reasonable.
I stress the above is simply my assessment of reading the limited information from the original post, but I feel it might be close to the circumstances - and therefore I think any insurer would similarly be cautious.
Jest sayin'
Cheers - John
Bas + Eve said
09:43 PM Jan 13, 2018
Well apparently there was a total misunderstanding on their behalf. After many apologies the claim has been orocessed and approved. The hiccup was that the BB manufacturerhad beeb placed on the preferred repairers list but the young lady failed to check.
Knightrider said
10:06 AM Jan 14, 2018
Bas + Eve - I take it after bagging CIL (incorrectly), you will take the same time to apologise to CIL for your incorrect & disparaging comments on this forum. It appears CIl was good enough to apologise to you.
Bas + Eve said
09:07 PM Jan 16, 2018
They made the "mistake" if I didnt querie their actions I would be out of pocket. I certainly don't owe CIL an apology AND I will be going with KTI at renewal!!!
franniemac said
08:30 PM Jan 25, 2018
I was pleased to read all the positive comments re CIL because I cancelled my NRMA today & took out a Comprehensive policy with CIL.
I'd read good reports about CIL through GN - but was over the moon to discover that my premium has been slashed by almost 2/3!! My vehicle is insured for the same amount now, and has the same cover as it had with NRMA, but as of today I'll be paying just 1/3 of the amount NRMA was charging me. Guess who's happy ....
Ron-D said
09:14 AM Jan 26, 2018
franniemac wrote:
I was pleased to read all the positive comments re CIL because I cancelled my NRMA today & took out a Comprehensive policy with CIL.
I'd read good reports about CIL through GN - but was over the moon to discover that my premium has been slashed by almost 2/3!! My vehicle is insured for the same amount now, and has the same cover as it had with NRMA, but as of today I'll be paying just 1/3 of the amount NRMA was charging me. Guess who's happy ....
I insured our rig to day with Nrma $528 dollars CIL $785 Nrma had always been on the high end when I rang around before . this time they nailed it , With insurance most companies are owned by the Big few,I make six calls every year and save a fortune on insurance no loyalty to any of em just my own back pocket
hako said
11:05 AM Jan 26, 2018
Ron-D wrote:
SNIP, With insurance most companies are owned by the Big few,I make six calls every year and save a fortune on insurance no loyalty to any of em just my own back pocket
I do the same but online as I think it's quicker (maybe?). However there is a problem that can happen if you are a bit slack with record keeping.
Our 5 separate policies are with 5 separate companies and expire at 5 different times during the year. I discovered last night that one of the policies no longer exists...disappeared with no trace. Naturally it was for Joys New Beetle so I bombed out there big time. It's really a bonus as we've saved a few years premiums. Some policies come by mail with other electronic.
If we insure them all with the one company all with a common start date premium rises can probably be 'masked' better so we really do not notice them.
My understanding is that all insurance companies ask you to get a quote, assess the damage and then get it fixed. You have not followed the correct procedure, don't denigrate CIL until after the claim is settled.
You may get a surprise and pay out sooner than your anticipate
Jeff
Cheers,
Peter
If the insurance company were not contacted prior to repairs being effected - Peter is correct in that they are entitled to totally reject claim.
regards
Ian
Gday...
I am with CIL and have had two claims in the past five years ... each was absolutely painless and went quickly, smoothly and very much to my satisfaction. I presented the van to a repairer, they took photos, emailed photos to CIL and approval, and claim number, within 24 hours and work commenced without fuss. I only had to pay the excess to CIL by way of online transfer.
May I take the liberty to suggest a possible scenario while we wait for any further clarification from Bas?
A vehicle, "whizzbanger", hit another vehicle and then bounced (ricocheted) into the bull bar. No statement of extent of damage, but most bullbars are of sufficiently strong construction to perhaps be a bit bent from such a minor (?) incident. One would be a bit surprised that the bar was so damaged it warranted complete replacement and also somewhat surprised that the replacement and any labour involved would amount to $3,500. Dare I suggest that if the bull bar was so damaged it required replacement, there would have also been some damage to the panelwork of the vehicle.
Therefore, one might safely assume, that the insurer, when presented with a potential bill of $3,500 for a 'repair' to a bull bar was a little cautious.
One might also assume that Bas was keen to get the bar 'repaired' by the manufacturer 'on the way home' and therefore may have sought permission from the insurer to progress the 'repair' immediately so they could be on their way with minimum of fuss and delay.
Insurer has therefore quite probably stated the 'repair' can be done but without admission of liability. The statement, we assume from CIL, that Bas would have to "wait however long" after photos and invoice were presented to CIL for them to consider reimbursing him for the payment to 'repair' the bullbar sounds reasonable.
I stress the above is simply my assessment of reading the limited information from the original post, but I feel it might be close to the circumstances - and therefore I think any insurer would similarly be cautious.
Jest sayin'
Cheers - John
Bas + Eve - I take it after bagging CIL (incorrectly), you will take the same time to apologise to CIL for your incorrect & disparaging comments on this forum. It appears CIl was good enough to apologise to you.
I'd read good reports about CIL through GN - but was over the moon to discover that my premium has been slashed by almost 2/3!! My vehicle is insured for the same amount now, and has the same cover as it had with NRMA, but as of today I'll be paying just 1/3 of the amount NRMA was charging me. Guess who's happy ....
I insured our rig to day with Nrma $528 dollars CIL $785 Nrma had always been on the high end when I rang around before . this time they nailed it , With insurance most companies are owned by the Big few,I make six calls every year and save a fortune on insurance no loyalty to any of em just my own back pocket
I do the same but online as I think it's quicker (maybe?). However there is a problem that can happen if you are a bit slack with record keeping.
Our 5 separate policies are with 5 separate companies and expire at 5 different times during the year. I discovered last night that one of the policies no longer exists...disappeared with no trace. Naturally it was for Joys New Beetle so I bombed out there big time.
It's really a bonus as we've saved a few years premiums.
Some policies come by mail with other electronic.
If we insure them all with the one company all with a common start date premium rises can probably be 'masked' better so we really do not notice them.
Can I trust an insurance company?
Regards