Not your fault insurance claims! Which company is recommended?

**Para777** · 02-03-2014 08:48 PM

Hi guys,

Will be heading to get a comprehensive insurance. Can anyone throw some light on which company would be the best in WA, also reasonable?

I was thinking QBE, real, sgio, AAMI?

I hear a lot of horrible stories regarding Real, QBE and also about the other 2 saying that they were made to pay the excess even when it was not their fault.. Bit confused!!

**lolmclol** · 02-03-2014 11:48 PM

Have you ever heard at the end of the advertising they tell you to read the product disclose statement or PDS? ... I'd recommend doing that before you pursue any insurance.

All those stories are generally bullshit from morons who don't comprehend what they're purchasing, if you actually read about what you're buying, you'll know what you're entitled to should you make a claim.

**Para777** · 03-03-2014 02:07 AM

Fair enough mate I am sure i could find that on their website? Thanks

**lolmclol** · 03-03-2014 02:46 AM

Originally Posted by Para777

Fair enough mate I am sure i could find that on their website? Thanks

Easily, but as well, before you sign anything, read over the entire contract and confirm scenarios with them as well

**Para777** · 03-03-2014 10:14 AM

Perfect will do ..do you recommend any good ones?

**lolmclol** · 03-03-2014 05:31 PM

Aami, Suncorp etc aren't bad, just call up, get some quotes, find out your options etc.

**integraR** · 03-03-2014 05:53 PM

Suncorp owns ammi, justcars, bingle, apia

**waz94Accord** · 03-03-2014 11:10 PM

Originally Posted by lolmclol

... read the product disclose statement or PDS? ... I'd recommend doing that before you pursue any insurance.

I agree. I dropped into the local branch of my *bank*. The gave me the pds (2007, 54pp) and the amendments (2 pages). It's not hard to read. Next, I plan to read the Police form for reporting an accident. I believe with car insurance there's merit in starting with the details and working up to "how much do they charge?" and "is it worth it?" By that way, I wouldn't be giving my project car to anyone under 25 who's NOT on listed on the policy. Many things need to be understood even before driving.