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Thread ID: 106924	2010-01-28 06:14:00	Insurance premiums	somebody (208)	PC World Chat

Post ID	Timestamp	Content	User
852868	2010-02-02 09:21:00	We had bad memory's from State as well. Maybe they have rigid policies. The place was burgled but they said evidence of force entry and then they said no evidence to support was stolen .... We are with AMI for car now. Don't need contents cos someone is always at home. Vero, dunno, they with them re: the commercial property. Brokers have also said they are the better one..... I tried to go with AA or State but folks did otherwise. That's an odd attitude - fire can destroy contents (as well as the house they're in) very quickly, whether there's someone home or not... You've got to be careful with brokers too - often they are not so much brokers (looking for the best deal for their client - you), as agents (recommending the company they get the best commissions from).	johcar (6283)
852869	2010-02-02 09:46:00	Brokers do often have "better" wording than the standard policies though, so you get wider cover and someone to go into bat for you if need be, they have a bit of clout with insurers. If you have a claim you do need to be able to support your loss. You don't need forced entry in a domestic policy, as long as you didn't literally invite them in to steal your stuff. You can to provide adequate proof of ownership though, and that isn't just a receipt... can be a photo of you with your big screen tele in the background or of your million dollar ring on your finger, could be dust marks on the cabinet where the TV was, could be a box, could even be you being able to describe the item in detail. Could be a copy of a bank statement the day you purchased the item. We look for consistency of lifestyle. Usually a claim is not declined on the basis of no proof of ownership, it is suggested that you withdraw it. A declinature would go on the ICR as part of your claim record, and if the claim is trumped up could lead to charges. But this is moving off topic a bit :P	Jester (13)
852870	2010-02-02 09:47:00	We are with AMI for car now . Don't need contents cos someone is always at home . Contents insurance also covers your possessions when away from your house . For example State paid out for a new $1,000 surfboard when our son broke his when he got crushed by a freak wave . They have also paid out on a bicycle stolen from school . You are also covered for fire and other damage at home, like Johcar says . Foxy Don't know if it's the same where you live but Nelson library has all back copies for the previous year of consumer magazine but in the Reference section and not on the shelf with the current issues . Could be worth a look Our library has back copies of Consumer as well but I have had an subscription and the online reports are much more comprehensive . Read your policy thoroughly, they are all online at . ami . co . nz/products/Policy-Documents/ . " target="_blank">www . ami . co . nz Great info Jester, thanks for that .	FoxyMX (5)
852871	2010-02-03 13:29:00	AMI are very good, we have had a couple of claims with them and they pay out real quick . Also in my work I have had dealings with insurance for clients who had dishwasher leaks, both were oldies one with AMI one with State . AMI paid out State didn't . When I told the second client they moved from State to AMI after 40 years with State without a claim We used to be with State some years ago until we got rear ended by a lady over the drink limit in a BMW while we were turning right in a right hand turning lane, she had tried to overtake on the right instead of the left and rear ended us as we turned . Simple case I would have thought . Police charged her, she even pleaded guilty in court at a later date but State wouldn't pay out as somehow we were in the wrong . Was never explained exactly how they came to that conclusion . We then went to AMI at half the cost of what State had been charging . While we have never made a claim off AMI, there increases each year are reasonable compared to the yearly hikes that State were imposing .	PinoyKiw (9675)
852872	2010-02-03 13:38:00	You've got to be careful with brokers too - often they are not so much brokers (looking for the best deal for their client - you), as agents (recommending the company they get the best commissions from). Our mortgage insurance was done through a broker that the bank suggested, our first mistake.........first couple of years the increases were reasonable and then they wacked it up 40%, when I called the company they just shrugged me off, inflation, CPI, this, that, take it or leave attitude but you won't get better anywhere else. Friends put us in touch with a independent broker and she had a read of the policy and it was choker block of loop holes and hardly worth the paper it was written on. For slightly less she put together a package that covered a whole host of things and more, the most recent increase couple months ago was just $12 on the year before. The first broker was told to get lost and geez, did he throw his toys out of the cot over that, who were we to question his professionalism, he had put together a very good package, just for us of course and other rantings.	PinoyKiw (9675)
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