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1443 posts

Uber Geek

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  #3070137 1-May-2023 19:24
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Yep I found quashed useless if you have house and contents under the same policy

It also found no cheaper alternatives for car insurance, which has gone up quite a bit


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420 posts

Ultimate Geek


  #3070178 1-May-2023 21:28
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Insurance companies make sure they don't lose.
Be very wary of IAG group of companies. Ive had to take a reasonably straightforward claim for electronics damaged in a power cut/surge, to the Insurance Ombudsman...
They keep changing their reason for decline, as errors in their view were pointed out.
I'll never insure with them again.

3340 posts

Uber Geek

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  #3070186 1-May-2023 21:56
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but then I figured that the entire industry is probably increasing premiums as they must be getting smashed with claims recently. 



I strongly suggest to compare quotes. as I found over the years, the difference could be upto 50% cost. 


quick compare for my car (15 yrs old SUV)


 - tower $430 comprehensive
 - state $690 comprehensive


rather insane difference. 





Note that the cover is not like for like.


As an example, tower has a blanket exclusion for off road use (other than launching trailer boats).

5429 posts

Uber Geek

  #3070703 3-May-2023 07:56
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Have decided to ringfence the value of our excesses in a separate account and effectively self-insure, and push our excesses way up to keep things affordable.


Have to have car insurance one way or the other, but it's getting to the point where we will downsizing the number of cars in our house to get our insurance costs down. Having a runabout or a toy isn't something I can justify anymore.  

4 posts

Wannabe Geek

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  #3070889 3-May-2023 16:15
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Move to Manurewa and it could jump up another 40%: 

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