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Location:
Cabramatta, NSW
Registered:
May 2002
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Experiences with AAMI?
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Thu, 28 October 2004 02:22
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Hi all,
I'm just getting quotes for insurance and wanted to know of any horror stories from insurance companies, specifically AAMI.
They've given me the best quote so far, but their insurance policy doesn't look as tight as the NRMA one...
I just don't want any surprises when it comes time to make a claim (which hopefully won't ever happen).
I've also got quotes from GIO, JustCars, Young & Cool, Allianz... Have I missed any?
I'd love to go through Shannons, but I don't think they'll touch an unmodified Liberty...
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Registered:
May 2002
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Re: Experiences with AAMI?
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Thu, 28 October 2004 02:35
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| Quote: |
I'm just getting quotes for insurance and wanted to know of any horror stories from insurance companies, specifically AAMI.
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I have never had to make a claim (I am with Shannons) but my girlfriend made a claim when she was rear ended in her Swift GTI (insured with AAMI).
We had no problems with that claim at all, we simply dropped off the car at the AAMI office in Fyshwick (ACT), they took care of the rest. Car was returned within 2 weeks and the repair job was great and guaranteed for 10 years (or there abouts).
If you have a policy with Shannons on your older modified car they will insure your other car too. I found this out when I renewed my policy last time (about 6 months ago). The Shannons rep asked if I had another vehicle and I said yes, he asked if I would like to change it to a policy with them, I explained that it was newer than what they insure and it was unmodified.
He informed me that they had changed their policy to be able to insure cars that they don't normally insure as a primary car. So if you have your old or modified vehicle with them you can insure your other car/s with them that they don't normally touch.
I didn't take up the offer as the other car had just had it's insurance renewed, but it is something I will look into next time (especially considering my very modified car is only $30 a year more to insure comprehensively than my unmodified stocker that is insured for a lower value).
Also I "thought" that Shannons was a subsidiary of AAMI (or was it Just Cars that is????) Don't know but it's something like that.
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Location:
Adelaide
Registered:
April 2004
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Re: Experiences with AAMI?
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Thu, 28 October 2004 02:51
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Just cars is a subsidiary of AAMI
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Location:
Sydney
Registered:
May 2004
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Re: Experiences with AAMI?
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Thu, 28 October 2004 03:10
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I've heard they're stricter to pay out claims than NRMA.
If it's your fault but you didn't tell them about a modification or if your not listed as a driver but use the car regularly they may not pay the claim.
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Location:
Potts Point, Sydney
Registered:
October 2003
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Re: Experiences with AAMI?
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Thu, 28 October 2004 03:47
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| Celica_John wrote on Thu, 28 October 2004 13:10 |
If it's your fault but you didn't tell them about a modification or if your not listed as a driver but use the car regularly they may not pay the claim.
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i think that's with most insurance companies tho. I havent had any experiences with AAMI, but have heard only good things about them
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Location:
Sydney/Wollongong
Registered:
October 2003
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Re: Experiences with AAMI?
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Thu, 28 October 2004 04:25
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I've only had to make a 3rd party claim when someone else hit my car, they were insured through AAMI & I was paid within a fortnight. I found them very easy to deal with.
In contrast, the other 3rd party claim I made through QBE took over three months to sort out 
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Location:
Castle Hill
Registered:
August 2003
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Re: Experiences with AAMI?
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Thu, 28 October 2004 07:53
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From my experiences AAMI is shit!!! There is no communication between the staff and they are crap!
I have had two bad incidents with AAMI...
Incident #1:
Crashed Sprinter:
Full comp insurance, covered for $3,500.
All damage was LH headlight, parker, quarter panel, and radiator support was pushed back slightly(about 1cm).
I didn't want to claim but since I didn't ring NRMA and tell them I had changed my plates they wouldn't tow me (to this day I still don't know why the car wouldn't start? but it rested for a few days and then was fine?) any way...back to the claim.
The car was taken to the AAMI at Bella Vista for evaluation.
They rang me about a week later to say they wanted to write it off.
So I went down and went over the car with an ASSessor, they wanted to fix ridiculous things, like replace the grille, that wasnt even damaged, replace a RH headlight because it was missing a little clip(unrelated to accident), replace the bumper which also was undamaged. They would not panel beat anything, they wanted to replace everything:
Parts:
Front bumper: $170
LH & RH bumper brackets: $55.50ea($111)
Grille: $57.50
Grille Badge(Toyota symbol which I stole from a wrecker, could have been re-attatched to new grille): $15.50
LH & RH headlight: $190ea ($380)
LH Parker: $151
Radiator support: $140
Top lock panel: $163
Center Vertical Locking bracket: $60.50
Decal-coolant(saying what coolant goes in radiator to stick on rad. support): $7.25
LH quarter panel: $380
Radiator(which was undamaged, but being bent due to rad. support-no leaks tho.-): $261
Air cond reciever dryer: 26.79
Total cost of parts: $1923.54
Labour:
Fit Radiator support: $500
De-Gas and Re-Gas airconditioning: $110
N/S/F Rail and Skirt???: $180
Bonnet and Frame: $180
Wheel alignment: $40
Total Repairs: $1010
Paint:
front end in-out: $520
engine bay: $160
mix paint: 120
total refinish: $800
Labour: $1810
Parts: $2199.97
Total: $4410.91inc GST
So they called my car a Total Loss!!!
I had to buy it back for $150 and got it fixed for free in 2 hours in my driveway! $400 for a bonnet,$150 guard, $45 blinker, $125 h light.
Thats the 1st one!
2nd one:
Incident #2:
Stolen Corolla:
Corolla insured comprehensively for $2000
Got stolen from my house, found the next day, towed to AAMI(they wanted to charge us for towing) then sat there for a week before they looked at it, at which stage they wanted to call it a total loss because they wanted to charge over $2000 to replace a door lock, and a cheap AKAI stereo and 6" speakers.They changed there minds and repaired it. It took another 2 weeks to replace these, and they gave it back with a flat battery(same thing happened witht the Sprinter), and I had to wait another 2 weeks for a parcel shelf with 6" speakers to get made. and the replacement stereo was extremely cheap and shit.
Sorry for the long post, but I just want to show how shit they are.
They also have crappy communication between staff:
They rang about the corolla to say they wouldnt fix it as someone screwed up the policy and didnt list it as comp insurance, even tho we were charged for it, and the same with the Sprinter, they didnt list me as the driver even tho i was beside my mum when she started the policy and i hear herd her say: yes he is the only driver, and she even asked me if i wanted to list my sisters and i said no!
THEY SUCK ASS BIG TIME!!!STAY AWAY!!!!
Unless you have a car that is easy to fix, parts are cheap and plentiful and it is worth more than at least $5000, even then they will prolly find a way to make repairs cost a shitload more than normal!
Good luck finding an insurance company!
-Whitchy-
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I supported Toymods
Location:
fairfield NSW
Registered:
January 2003
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Re: Experiences with AAMI?
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Thu, 28 October 2004 18:09
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i dealt with AAMI for less than a year. they were cheapest one out (few bucks less than NRMA).
i cancelled on them (car taken off road for project) and they refunded me 100 or 180 bucks. i was happy.
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Location:
1st street on the right
Registered:
November 2002
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Re: Experiences with AAMI?
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Thu, 28 October 2004 20:34
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Horror stories like whitchgys 1st are the norm. When my crown was rear ended they listed things like "replace spare tyre and rim" WTF?
But they have done nothing but good things in service and repairs to any "normal" as my wife would put it (read not old). Even supporting me during my current court case even though I have not made a claim and cancelled the policy (pro rata refund within 3 days) and I'm looking at dangerous driving occ GBH and neg dr occ GBH.
They have been at the 2 court days so far even though it was only adjournments. I'm sure they are only looking after their own interests but at least they are there AND believe my side of the story.
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Location:
cambo
Registered:
May 2002
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Re: Experiences with AAMI?
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Fri, 29 October 2004 07:33
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From my experiences AAMI is shit!!!
ill second that but thats from my experiences with them
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Location:
Cabramatta, NSW
Registered:
May 2002
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Re: Experiences with AAMI?
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Fri, 29 October 2004 08:07
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Thanks for your comments guys!
I've decided to go with AAMI. The car costs considerably more than $3k. It'll be stock as a rock and everything will be above the line.
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Location:
Liverpool, Sydney
Registered:
September 2004
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Re: Experiences with AAMI?
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Fri, 29 October 2004 08:40
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As a side note - not too long ago down the end of my street at a roundabout there was a huge cardoboard sign saying " DONT EVER GO WITH AAMI - THEY ARE DODGY RIPOFFS" and there was more, with a few profanities put in... guess they didnt get their claim eh ??
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Location:
Potts Point, Sydney
Registered:
October 2003
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Re: Experiences with AAMI?
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Fri, 29 October 2004 12:36
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there are always gonna be people who dont like them, cant please everyone
unless you go with APIA or whatever 
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Location:
Sydney
Registered:
May 2002
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Re: Experiences with AAMI?
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Fri, 29 October 2004 12:53
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I've had two cars insured with AAMI. I didn't make any claims, but came close with the second car. I found them to be decent in my dealings but never really tested them out. I think if you keep it all above board (no sneaking of mods, drivers names etc) then most companies are usually ok.
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Location:
Sydney
Registered:
June 2004
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Re: Experiences with AAMI?
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Fri, 29 October 2004 13:34
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me and my parents have been with AAMI for ages now and never had an issue, we used to be with GIO and they were awsome too but when AAMI started the lifetime no claim bonus stuff we went there and never turned back. now we got 3 cars currently with them but have had almost 10 over the last 5 years with them.
all payouts were done in a very timely manner. with NRMA they were and are crap!!! but thats my experience, not sure what AAMI gonna do with me '22 once finished with all mods 
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