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1220 posts

Uber Geek
+1 received by user: 58


  Reply # 288084 8-Jan-2010 11:50
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I've never had a contents claim, and never had an at fault vehicle claim.

One thing I'm still a bit puzzled about to do with insurance, which insurance company reps could not answer, is this situation:

If someone is flatting with 2 others, everyone has contents insurance, landlord has house cover. I accidentally burn the place down cooking. I assume the other flatmates/landlords make claims under their policies and thus are reimbursed, and then in turn I assume their insurance companies come after me...

Well the insurance reps I spoke to say only my possessions are covered, not the flatmates, or the landlords possessions in the house (furniture, etc). I have $1 Million public liability cover in case my fire also torches the neighbours house, but they say that my contents does not cover non family members living with me (ie landlord/flatmates). Is this really right??

If so, then what insurance does one get to cover myself from their insurance companies coming after me after such an event?

State always lead me to believe that that was what contents cover was all about - and exactly the ONLY reason I ever had it - not to protect my stuff, but to cover me from torching my flatmates gear. And then after all these years I get told that was wrong, it only covers me and neighbours?

A bit like when I was at uni and spent exactly 1/2 my time between chch and timaru, as I viewed Timaru as my home, my insurance was done at Timaru branches, but they charge a lower premium than chch branches, and blissfully unaware of this - but 6 years later the insurance company admitted that if I ever had a crash or claim while in chch they would not have paid out, as I lived equal amounts of time in the 2 places I was supposed to pay the higher chch premium or else face being declined for a claim in chch!!

569 posts

Ultimate Geek
+1 received by user: 62


  Reply # 288397 9-Jan-2010 11:33
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Comradehunt:...... but 6 years later the insurance company admitted that if I ever had a crash or claim while in chch they would not have paid out, as I lived equal amounts of time in the 2 places I was supposed to pay the higher chch premium or else face being declined for a claim in chch!!


If they really did admit that you should ask for a refund of 50% as you weren't covered.

AMI is over $100+ cheaper than the next quote (AA / STATE / Toyota Vehicle Insurance) for my '96 MR2.
Insurance started less than 6 months ago.



1220 posts

Uber Geek
+1 received by user: 58


  Reply # 288412 9-Jan-2010 12:15
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The insurance company really did nothing wrong to have to give a refund. It was my fault for not understanding.

I believe its one of those things where they can't possibly know my situation, and its up to me disclose it to them precisely at the time of getting the insurance. When I was 18 I thought just getting the insurance was doing the right thing and that I'd be covered - I never knew that what I was doing would have an impact on my cover. As far as I was concerned, Timaru was my home so I didn't think the fact I was in chch ~180 days/year was worth mentioning. I was "living" in Timaru, and was working in Timaru up to 32 hours at the weekend, and would stay in chch monday to thursday nights, and return each and every weekend/holidays.

This was brought up yesterday when I changed all my insurance to AA, they did mention having cars in different post codes affects the premiums, and that I needed to have the higher risk postcode insured to where the car might be to be fully covered.

The only reason I changed with AMI previously is the result of something that happened to a friend of mine. He lived in a bad part of town where there was lots of vandalism occuring every other night, and one night he had all his tyres slashed. He had to pay the bulk because of his excess. So he changed to AMIs no excess policy, so if it happened again he would not have to pay. I thought this was great so I took out the same policy. But in the small print (which my friend did not see), it says the nil excess does not apply when something happens to your vehicle within 100 metres of your home. So my friend was paying higher premiums to get something that when the time came to use, he would not be getting.

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