Thread: Home insurance increase

Our AAMI premium includes contents.

Got a quote from NRMA today, without contents, the premium is $600 more expensive at $5700.

Mario and I have been with Shannon's for a very very long time after racv screw us on a claim of water damage from the shower. They wouldn't pay as they said it was maintenance the the shower leaked through the wall, It would have been better if the pipe had burst. Going by last year and this year house and content gone up $45.80per month, and car insurance for 2 cars full agreed cover (mine and my son) and one with third party (the other son in Japan) has gone up 20.35 per month. So it work out 6,080 for the year. I looked at the house/content and they have put up the allowed cost of rebuilding etc, so they have allowed more money in other things that I could claim for. Also I had that very big claim when I got flooded in 2022. They also found out in 2016 when we got flooded, in the money they gave us they didn't put the cost of frame work for the back of the garage, so they paid me just over 4000 for the frame. Even though it was hell for me and it took a year to finalize everything for the 2022 flood, I really don't think I would change to another company, as I have heard terrible stories of other companies. And Mario did a lot of reseach, we have put in claim on some cars over the years and had no trouble. Also note we do have an excess we have to pay if we claim which isn't that much, and content we have listed special items like 2 saxophones 1 at 7000 1 at 6000 and clarinet $4000, which belong to the boys. With my experience it has take a year for house/content. Car claim they just pay straight away. Heather. (Foot note everyone insurance will go up this year because of the bad year Australia is going through at the moment)

Originally Posted by Roverlord off road spares

Mario and I have been with Shannon's for a very very long time after racv screw us on a claim of water damage from the shower. They wouldn't pay as they said it was maintenance the the shower leaked through the wall, It would have been better if the pipe had burst. Going by last year and this year house and content gone up $45.80per month, and car insurance for 2 cars full agreed cover (mine and my son) and one with third party (the other son in Japan) has gone up 20.35 per month. So it work out 6,080 for the year. I looked at the house/content and they have put up the allowed cost of rebuilding etc, so they have allowed more money in other things that I could claim for. Also I had that very big claim when I got flooded in 2022. They also found out in 2016 when we got flooded, in the money they gave us they didn't put the cost of frame work for the back of the garage, so they paid me just over 4000 for the frame. Even though it was hell for me and it took a year to finalize everything for the 2022 flood, I really don't think I would change to another company, as I have heard terrible stories of other companies. And Mario did a lot of reseach, we have put in claim on some cars over the years and had no trouble. Also note we do have an excess we have to pay if we claim which isn't that much, and content we have listed special items like 2 saxophones 1 at 7000 1 at 6000 and clarinet $4000, which belong to the boys. With my experience it has take a year for house/content. Car claim they just pay straight away. Heather. (Foot note everyone insurance will go up this year because of the bad year Australia is going through at the moment)

It must be a real Jam Session @ your place when the boys are home, Heather?

"They wouldn't pay as they said it was maintenance the shower leaked through the wall"
I don't blame them and nor would I. As an ex-underwriter although not on home insurance, we had claims from businesses who thought their insurance was to pay for their lack of maintenance of their equipment and the same with our housing division.
We only worked through insurance brokers and the tricks they would try to get dodgy claims paid was amazing.
Shonky car dealers and pollies have much the same attitude.
AlanH.

Originally Posted by 4bee

It must be a real Jam Session @ your place when the boys are home, Heather?

With Heather maintaining the beat on the Raco non-stick Teflon percussion.

Originally Posted by 4bee

It must be a real Jam Session @ your place when the boys are home, Heather?

The boys started when they where young around 12 and they played at a lot of places example fed square when they where in high school. Andrew Macalister as he ran a lot of different levels of kids. Mario enjoyed watching the boys at practice.and going to watch them play at different venues. They started out with cheap student insturments and then we bought them the real real good brand ones and you can tell the different in the sound. Kristopher has a Tenor saxophone and he use to play the big Baritone which he borrowed from Andrew when it was need, Brendon has the Alto Saxophone and the clarinet. Mario got a lot of enjoyment from his boy and was proud of them doing music.

Originally Posted by ATH

"They wouldn't pay as they said it was maintenance the shower leaked through the wall"
I don't blame them and nor would I. As an ex-underwriter although not on home insurance, we had claims from businesses who thought their insurance was to pay for their lack of maintenance of their equipment and the same with our housing division.
We only worked through insurance brokers and the tricks they would try to get dodgy claims paid was amazing.
Shonky car dealers and pollies have much the same attitude.
AlanH.

This was the first time we claimed and they said it leaked through the grout, it could be my cleaning, as the shower was black with black grout, and hard to see any damage. I suppose you live and learn on things.
Now with new shower and wet room that was installed by builders for Mario needs. It has all been water proof wall and floor, Heather

Have not posted for quite a while. Also under review in regard to house insurances is electric vehicles and there propensity to randomly combust. They are considering the idea that all garages housing electric vehicles would have to be fire proofed. This would mean lining the garage interior in a fire proof cladding, fitting of sprinklers or something along those lines. Insurance companies will if this comes about refuse insurance cover unless conditions are met. There will no doubt be a increase to cover the extra risk however small it might be.