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Why don’t I get paid the full value?

When you write off your vehicle there is a popular misconception that you will get paid what you Insured the vehicle for or what we call the 'Sum Insured' which is shown on your policy schedule. This is not always the case!

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Theft vs burglary excess

Did you ever consider that theft and burglary are different things? In the insurance world they're treated differently, it can impact how much excess you'll have to pay.

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Have you checked your kids?

Young ones are still at risk when they leave home. Anyone flatting as a minimum needs to have some form of Liability cover in case they burn down their flat or overflow the bath. Sometimes parents policies cover children away from home - have you checked on your children?

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A 2011-2012 review* reveals that Australian customers who choose to insure direct with insurers for their house, contents or business insurance rather than with a broker were far more likely to have unresolved disputes reviewed by the Financial Ombudsman Service.

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