this is my first time on this gn forum so pls bear with me if i am a bit slow, firstly, i have been ret. since 2006 since then i have been teaching myself

computer skills( trial & error style with a little bit of help now & then)(wifey).secondly, i have built myself an enclosed type canopy camper(self con.) & recently i

had disagreements with my ins. re. claims, they won't budge(pay up) now my ins is about to expire soon(2mths.) can anyone put me onto an ins. that is

a bit more understanding of retiree's, after all we pay into them long enough.

p.s. when i get this sorted then i can get out there.  thank you all. lenny

Lenny
re Insurance disagreements. I think one of the problems is Market value and Agreed value, all of our vehicle type insurances are Agreed value, just recently have changed our Boat Insurance company, the boat is over 20 years old but in as new condition since its always been uncover and we have not used it alot. Insured for $8500, but just recently realised it was at Market value, so virtually they could maybe give me only $4500 if its stolen even though my premium is to cover an $8500 loss.

I will need to have the boat valued at $8500 which will last for 2 years, then get another valuation.

To me its reasonable for the insurance company to do this, am just annoyed that I was not told about it, becasue it could have been done during the Boat/Trailer checkout required by the Insurance company prior to them accepting my business.

PS I would consider changing over to another insurance company B4 expiry as one of the questions some insurance companies ask is have you ever been Turned down/rejected ( or similar) by another Insurance company. ie problems if your current company may not want to re insure you. They also ask about claims/accidents.

Re other insurance comapanies for retiree's I would try APIA

Peter

thanks peter.
everyone has been saying apia but i thought i would check with someone with a lot more " experience" than where i have been getting it.

lazabout

Take care if you decide on APIA, in that they say they are all for Seniors, it is all just marketing  hype ,you can usually get a better deal with one of the other major insurance companies.

Cheers

David

I have a tinnie that is about the same as yours, insured with Club Marine up till the last year when they wanted me to take it to an assessor to see what it was worth.  Contacted one of only a few assessors that they recommended and the survey charge was more that the insurance and the survey was only good for two years then it all starts again  Bit of a rip off for a boat insured with them since new never had a claim  always locked in the shed  and only covered for $8500  Went NRMA and got it cheaper and no survey needed.  Seems some only want to insure new boats or anything up to 5 years old

Best to just type into google 'insurance quotes'and a heap of different insurance companies names will come up.Apia was one of the dearest insurances in a recent survey undertaken by choice mag .It is really all a marketing ploy, that they are for seniours,insurance companies are not for anyones interest but them self.Thats why one needs to read the fine print .

Roving-Dutchy wrote:

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I have all my insurances with GIO all with agreed value and the van is 16 years old and have never been asked for a valuation and the van is still insured for the price I paid for it when new, the same applies to a boat which is now 12 years old, though the cars have been coming down in value as expected.

Cheers

David

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