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511 posts

Ultimate Geek
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Topic # 162031 27-Jan-2015 11:16

Hi Guys,

I am looking at getting Home, Contents, Car insurance. (I already have this with my bank however just seeing what else is on the market)

Is there a website with ratings of what is currently the best?

I tried looking but couldn't really see anything. I see Tower is doing all 3.

Any feedback would be great.

Thanks

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2091 posts

Uber Geek
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  Reply # 1223090 27-Jan-2015 11:31
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define: best

I would just get all your info together and get a quote from all the major players.

Use that as a starting point then compare clauses/benefits as to what suits you.

A lot of ratings are "customer satisfaction" which tend to be vague.

Bank insurance tends to be more expensive in my experience - just check with your bank regarding any requirements on house insurance with your mortgage - you will need to tell them when you change and to whom (or at least I did). Otherwise they send you angry letters.

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Ultimate Geek
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  Reply # 1223105 27-Jan-2015 11:40
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I have contents and car (2 people) combined with the AA. their coverage seemed the best at the time and the ability to have new for old and specialised cover on the contents was what decided it for me (they cover my MTB and road bikes in multiple scenarios). claims on the missus car (hit by uninsured driver x2) have been great, they fix it up and deal with the rest...no work involved. also covered a car window without excess after break in.....so my experience results in a good recommendation for them. State were the cheapest at the time but coverage was much worse.




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  Reply # 1223108 27-Jan-2015 11:44
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I've been with AA for many years now. I've had a couple of claims with where my car has been hit and they've all been handled very quickly and effortlessly.


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Ultimate Geek
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  Reply # 1223129 27-Jan-2015 12:04
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I've had insurance for 15 or so years and was insured for about 5 years with Vero while living in Christchurch. When the earthquakes hit they (like most) were terrible to deal with and we had to get lawyers involved to finally get our claim settled. The house on our street that was fixed first was insured by FMG Insurance and by quite a margin - they were repaired in early 2012, when I sold up and left Chch in late 2013 that house was still the only one that had been repaired on our street (of about 30 houses).

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  Reply # 1223175 27-Jan-2015 12:42
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My broker is Rothbury.

I have always found them very good, especially if you need to claim and that is when insurance shows whether it was worth paying for or not.





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Ultimate Geek
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  Reply # 1223176 27-Jan-2015 12:43
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i have all with State and have never found fault with them. Car side swiped me last year - repaired no drama on car insurance. Have to move out of house due to EQC repairs. $20k moving expenses (contents insurance) in my bank account no drama. They want to fix drive / pathways (house insurance) no drama once EQC move out.

 

 

On the other hand if we could only avoid EQC (which you end up with no matter who you insure house with) since I cannot find a single kind word to say about them. They could learnt a whole lot by following States example. State ring me once every two months to see how the house is getting on - EQC is a big black hole out of which nothing comes. Actually I'm being a bit harsh - EQC did cough up $800 for a repair - only 3 years after i claimed it. Your insurance cover is important but I've learnt what is important is the service you get when you come to make a claim.

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Ultimate Geek
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  Reply # 1223180 27-Jan-2015 12:50
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Oriphix: Hi Guys,

I am looking at getting Home, Contents, Car insurance. (I already have this with my bank however just seeing what else is on the market)

Is there a website with ratings of what is currently the best?

I tried looking but couldn't really see anything. I see Tower is doing all 3.

Any feedback would be great.

Thanks


Most will do all 3:  AA, AMI, Tower, State, Vero (do they still do direct?) for instance...

RBNZ have a list of all licensed insurers at http://www.rbnz.govt.nz/regulation_and_supervision/insurers/register/ 

We have insurance brokered through Aon which is split between a bunch of the insurance companies, (they tell you which ones) last time we did a 'ring around' was still competitive and they are extremely helpful in the past, so also look at some of the bigger brokers.

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Ultimate Geek
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  Reply # 1223181 27-Jan-2015 12:50
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Have been with AA with my car and they were very quick to payout when making a claim (hit by un insured driver) 

Currently with AMI with contents + Car as they offered a better deal but haven't needed to claim anything with them.

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  Reply # 1223193 27-Jan-2015 13:05
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just remember Tower is the only company that offers full house replacement in case of fire




Common sense is not as common as you think.


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  Reply # 1223243 27-Jan-2015 13:38
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vexxxboy: just remember Tower is the only company that offers full house replacement in case of fire


AMI do also in some cases. 



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Ultimate Geek
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  Reply # 1223289 27-Jan-2015 14:09

Hi All,

Forgot to mention that I want Life insurance as well.

I like the idea of having everything in once place (easier to manage for me at least)

I was also looking at AA they seem to have gotten excellent customer service.

http://www.canstarblue.co.nz/banking-insurance/home-contents-insurance/

But I will probably get a quote from the below three and see what I can get.

AA
State
AMI

Thanks for the feedback.

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  Reply # 1223324 27-Jan-2015 14:45
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Oriphix: Hi All,

Forgot to mention that I want Life insurance as well.

I like the idea of having everything in once place (easier to manage for me at least)

I was also looking at AA they seem to have gotten excellent customer service.

http://www.canstarblue.co.nz/banking-insurance/home-contents-insurance/

But I will probably get a quote from the below three and see what I can get.

AA
State
AMI

Thanks for the feedback.


If you are going to do Life as well it may be worth using a broker.

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Master Geek
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  Reply # 1223325 27-Jan-2015 14:45
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I am with MAS for home+contents and vehicle. We were previously with AA. Where MAS improves on AA (who are pretty good), is better rental car allowance if you need a family vehicle while your's is repaired (AA supply a dinky little Suzuki Swift). Full replacement value on contents items, and replacement of personal medical items (like prescription glasses) with no excess or effect on your no claims bonus. Also helps they insure in Canterbury, and they still insure based on a square area of your house rather than an agreed value.

They are membership based, but I have found the membership side useful

They also do life insurance, and Kiwisaver. But I am with other providers for those for incidental reasons.

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  Reply # 1223945 28-Jan-2015 11:54
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Definitely go to an insurance broker. As there are some insurance companys that only deal with brokers. Also always have house and contents insurance with the same company.





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Uber Geek
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  Reply # 1224500 29-Jan-2015 06:35
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Look into income insurance. More important than house in my opinion. Also, companies have discounts for having more than one type with them.

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