What’s really annoying is they go on and on in their ads about how they ask so much about you to give you the best price. They asked almost an hour of questions (about us, existing customers) only to come to a 3x higher price. Great system you guys.
I have always found RACV to be way more expensive than anything else.
I dont trust Youi, i find them to be way to secretive. They ask a million questions, and then still wont commit to a price, unless you are ready to buy.
I have used GIO on and off over the years and found them to be good on price and service. In the end they all offer cut price rates to get you in and then jack the price up to make more money off you later. I generally check and move every few years.
Honestly though i reckon a good panel beater you can trust is more important. Ours takes care of everything for us, i actually go there first when the cars are in a prang.
I use a broker for my car…I think they use Allianz and CGU. Premium dropped a lot when I came down here, but it’s just gone up 9% for next year…no claims so I suppose it’s based on the quality of the roads down here.
House and contents through NAB. Much cheaper than CommInsure.
When Mrs diggers’ Madaz was up for renewal, I contacted Youi because according to their ads, they ask more questions to find out more about your driving habits which (should) result in a cheaper rate. Well, after approaching 30 minutes on the phone with a nice fellow, the Youi quote came in around $200 dearer than my current insurer. After a few seconds of gregarious laughter, I composed myself enough to inform the Youi-keep that I’m worse off financially and have lost 30 minutes of life talking to him and that Youi can (politely) go f*ck themselves.
If you are at all able, circumnavigate around a great evil called ‘insurance’.
For safety, you’ll need to start off with capital. You save up $10G, bank it, and call that your insurance account. In your late teens and early 20’s, you deposit the equivalent of your comprehensive (extra) car insurance into the fund. Unfortunately, you are without option for medical insurance.
As you life begins to involve other insurances, like income, life, particular assets, etc (my partner pays insurance for farkin everything), deposit into your own insurance account. The odds are you’ll wind up very much on top. Just like insurance companies do. And you’ll always pay yourself out.
By your mid-40’s you should have several $100ks in that account, which should cover just about anything you would rationally take out insurance for. And by the time you are at retirement age, you can say ‘fark you’ to everyone and everything, and fund your retirement. The only way this system doesn’t work, is if you are unlucky enough to have a major incident early on.
Or you can do what everyone else does - throw your money away to mega-corps.
Just reminiscing about my grandfathers rantings about surviving the depression, and subsequently finding a sizeable amount of cash in his house when he passed on. He had a massive distrust for anything corporate.
You don’t have to be a conspiracy theorist to have a ‘massive distrust for anything corporate’ - since corporations exist purely and soley for the benefit of their shareholders. That isn’t opinion - it is fact. If you trusted them to look after you above themselves, you would be a misguided idiot.
But we are taught, often obliquly, that we shouldn’t trust gambling and should trust (insurance) corporations.
I disagree with your assertation, anyway. “Anything involving money is about risk mitigation”
It’s not, in my opinion. Money is just a promisory note. It stands for something you can purchase stuff with. You can ‘mitigate your risky use of money’ but the only valuable currancy is ‘happiness’. People tend to forget that. Good on your g’father for stashing it under the bed for you to find it, rather than giving it to faceless people who neither need it, respect it, or have earned it.
car insured in Northcote $1,000 pa.
Same car in Brisbane with same insurer $500.
When I got my previous insurance with aami(?) I did online quotes using other addresses in my street and found there were 3 different prices they were quoting with the only variable the house number. I insured under my neighbours address and had the mailing address as my office.
They peanut on the phone couldn’t explain it to me other than I must’ve had my car stolen before, no. Must’ve made a claim, no. Maybe my house was broken into, no.
Yeah well, I wasn’t disagreeing with the sentiment,… & that is one of many ugly, horrid crimes these arsehats, & others like them have committed on good people who gave their coin in good faith … just the lack of respect for other users, and your status.
My nieces & nephews come to this site. … on MY recommendation!
So how about just a modicum of decorum until the swear filter is sorted out?