| [ Total Views: 1101 | Total Replies: 19 | Thread Id: 94102 ] |
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 ancientbugger
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| posted on December 1st, 2011 at 04:58 PM |
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Fu+#ing insurance companies!!!
What is the point of house insurance when as soon as something happens they will try whatever they can not to pay out! We had a pipe burst in a wall
in one of our bathrooms and went unoticed until the carpet in our bedroom was soaked so obviously not a self inflicted scam. The plumber we called
then basically had to destroy the bathroom to find the source of the leak, well that was about 6 weeks ago. Two weeks later the Loss adjuster decided
to turn up and now the insurance company RACQ say they are not paying for anything This is not the end as I am going to contact the ombudsman or whoever as this sort of thing really pisses me off as they are
quick enough to take our money every year with all the great promises and TV ads. Does Shannons do house insurance 'cos after all this is sorted I
certainly will not use RACQ again for anything and will let everyone I know the same.
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donn
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| posted on December 1st, 2011 at 05:20 PM |
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Go with Shannons, they have been great to deal with on every one of my claims, (none to date)  
I dream of a day when a chicken can cross a road without being asked for it's motive!
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68AutoBug
A.k.a.: Lee Noonan
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 posted on December 1st, 2011 at 05:39 PM |
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not sure whether shannons do house insurance..
You need to read every word in their disclosure booklets these days as they are trying to get out of paying anything..
similar to all the new car insurance companies who want people who own their own home etc and never had a claim etc etc..
they all want our money....
Lee
- [size=4]Helping keep Air Cooled VWs on the road - location: SCONE in the Upper Hunter Valley - Northern NSW 320 kms NNW of SYDNEY--- [/size]
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HappyDaze
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| posted on December 1st, 2011 at 05:43 PM |
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Shannons DO house insurance, and will do a special deal if you have your car/cars insured with them.
I'd rather wear a Beetle out by racing it than by polishing it!
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donn
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| posted on December 1st, 2011 at 05:58 PM |
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Yep, I found them very competative $ wise when bundled with the cars etc.
I dream of a day when a chicken can cross a road without being asked for it's motive!
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beetleboyjeff
A.k.a.: Jeff Walsh
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| posted on December 1st, 2011 at 06:58 PM |
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We have a lot of our insurances with them (including house) - very happy with them.
From your ole' mate Jeff
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Anthiron
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| posted on December 1st, 2011 at 07:57 PM |
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That is not good news Barry! As others have said, Shannons do house insurance including special deals for the contents of your garage including tools,
equipment and car parts etc.
RACQ do not get anyy of my money anymore. I find the only thing they are good for is a free tow. Mind you the price u pay for membership would pay for
theh once in a blue moon tow I need. I have had family members with bad experiences before.
Hope you get it sorted.
I dont know any plumbers 
62/60 model bug eye baja bug, (Full Build in Progress)
1974 Chevrolet Luv
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1979 Yamaha RX125 Two Stroke tracker project.
2004 Harley Davidson Sportster XL Custom
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penguin
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ackkkkkk thhhhhpt!
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| posted on December 1st, 2011 at 08:30 PM |
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Yeap,
Shannons gave us a quote today for contents (we are renting) and they have a section for $10k for garage tools etc that comes at no extra charge as
they know 'enthusiasts' have collections fo tools and parts in our sheds 
Damn good figures too - about as much as our four car + motorbike cost per month - very good as far as I am concerned.
'Ah, whatever................'
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Gringo_54_oval
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| posted on December 1st, 2011 at 08:53 PM |
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Shannons are heaps good got my cars with em and my house contents.
On the 2nd day of transfering all my stuff from No Real Mechanics Available
I had to call Shannons to sort out the mess in my room after the cat broke my fish tank and had water go all over the carpet.What a mess, they came
sorted it all out with in a few weeks.
Change to Shannons. and stick it up RACQ
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1303Steve
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| posted on December 1st, 2011 at 09:15 PM |
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| Quote: | Originally
posted by Gringo_54_oval
On the 2nd day of transfering all my stuff from No Real Mechanics Available
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NRMA insurance is actually IAG, a different company to NRMA motoring services, they split in 2000
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jack schoot
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| posted on December 2nd, 2011 at 05:47 AM |
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We have both cars and our house and contents with shannons. the fellow i spoke with told me shannons was one of the only companys that payed out all
there customers in the queensland floods
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Birdman
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| posted on December 2nd, 2011 at 10:57 AM |
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| Quote: | Originally
posted by ancientbugger
What is the point of house insurance when as soon as something happens they will try whatever they can not to pay out! We had a pipe burst in a wall
in one of our bathrooms and went unoticed until the carpet in our bedroom was soaked so obviously not a self inflicted scam. The plumber we called
then basically had to destroy the bathroom to find the source of the leak, well that was about 6 weeks ago. Two weeks later the Loss adjuster decided
to turn up and now the insurance company RACQ say they are not paying for anything This is not the end as I am going to contact the ombudsman or whoever as this sort of thing really pisses me off as they are
quick enough to take our money every year with all the great promises and TV ads. Does Shannons do house insurance 'cos after all this is sorted I
certainly will not use RACQ again for anything and will let everyone I know the same.
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They should send you a formal denial letter.
Then you go to the ombudsman after that.
Section 76 of the insurance contracts act will help here.
PM me if you need any advice, I am a loss adjuster.
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donn
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| posted on December 2nd, 2011 at 11:09 AM |
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Not knowing the exact circumstances I can only assume what is going on with the repairs, as I have been in the building industry all my working life
there are a couple of things here that interest me,
1. Why did he have to destroy the bathroom to find a leak? I have had a leaking pipe in my own bathroom and found it very easily
without touching the bathroom at all
2. How old is the house?
3. What was the exact problem with the pipe?
4. Was the offending pipe in an internal wall of the house or an external wall?
I dream of a day when a chicken can cross a road without being asked for it's motive!
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beetleboyjeff
A.k.a.: Jeff Walsh
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| posted on December 2nd, 2011 at 11:31 AM |
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| Quote: | Originally
posted by donn
Not knowing the exact circumstances I can only assume what is going on with the repairs, as I have been in the building industry all my working life
there are a couple of things here that interest me,
1. Why did he have to destroy the bathroom to find a leak? I have had a leaking pipe in my own bathroom and found it very easily
without touching the bathroom at all
2. How old is the house?
3. What was the exact problem with the pipe?
4. Was the offending pipe in an internal wall of the house or an external wall?
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As a builder that has done a LOT of maintenance & repair work over the years, I wondered the same thing.
You don't have any photos do you?
From your ole' mate Jeff
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ancientbugger
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| posted on December 2nd, 2011 at 01:32 PM |
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The house is 25 years old and the pipes are plastic. There were three pipes that were leaking. The plumber had to remove the bath as one leak that had
been going for some time had started to rot the timber supports for the bath, another one had leaked behind the vanity and the vanity being made of
mdf practically fell apart but the one that had got our attention which had leaked in the wall between the shower and our bedroom and had seeped
through the base of the wall and saturated our carpet. We are more than happy to pay for all the pipes to be changed over to copper and have been
quoted $1600 to have it done but my gripe is that this is so obviously an accident rather than us trying to scam the insurance company and everything
is there for the insurance company to see but they treated my wife like a bloody criminal on the phone. If I was still working at a resort and someone
paid to stay in a certain room there is no way I could turn to the customer when they turned up and tell them "Hey I know you've paid for a room but
we had a think about it and I'm sorry to say you can't stay here, we'll keep your money though!" cos that's exactly what RACQ have done. BTW
Birdman I may have to take you up on your offer.
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donn
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| posted on December 2nd, 2011 at 02:01 PM |
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Did the leak (s) appear at the "plastic" pipe joints, they are probably compresion fittings, if so I'd check to see if the guarantee is still
valid, they should last a lot longer than 25 years, BTW, copper isn't the be all end all solution, the leak in my own home was in a copper pipe.
I dream of a day when a chicken can cross a road without being asked for it's motive!
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beetleboyjeff
A.k.a.: Jeff Walsh
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| posted on December 2nd, 2011 at 02:21 PM |
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Normally, the insurance company wont pay for the repairs to the pipes, but they do normally pay for the damage caused by the leak and possibly damage
caused in the search for the leak.
I do think you should chase it.
From your ole' mate Jeff
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donn
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| posted on December 2nd, 2011 at 04:02 PM |
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| Quote: | Originally
posted by beetleboyjeff
Normally, the insurance company wont pay for the repairs to the pipes, but they do normally pay for the damage caused by the leak and possibly damage
caused in the search for the leak.
I do think you should chase it.
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X2
but if the joints failed you also have a claim on the builder / plumber / materials supplier (pipes), but not on your insurance I would think
I dream of a day when a chicken can cross a road without being asked for it's motive!
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AA003
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| posted on December 2nd, 2011 at 07:59 PM |
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| Quote: | Originally
posted by 1303Steve
NRMA insurance is actually IAG, a different company to NRMA motoring services, they split in 2000
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......and you can't insure with them if you don't have a mobile phone.
I read it on samba, so it must be correct.
Sometimes Volkswagen dealers sell spare parts. Amazing isn't it!
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type_one
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| posted on December 5th, 2011 at 08:58 PM |
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| Quote: | Originally
posted by AA003
| Quote: | Originally
posted by 1303Steve
NRMA insurance is actually IAG, a different company to NRMA motoring services, they split in 2000
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......and you can't insure with them if you don't have a mobile phone.
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Sorry but that's bullshit. You can 100% insure with IAG companies without a mobile number. What sort of company would insist on a stupid rule such as
that? They do however try and collect one. If you were told that the staff member was lying to you and you should ask to speak to a manager.
Blank
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