Best Insurance Companies In Australia

GIO
 Just because their rates are low, does not mean it is great! READ your Product Disclosure Statement (PDS)! ;)

Been with GIO for a while with very comprehensive cover, I thought. Went to claim on a lost top of the range MacBook Air (MBA) and was told the like for like PDS does not cover the replacement of a high end product as the newer basic entry level is just as fast as my older MBA.

My $2,400 MBA was replaced with a $1,300 MBA, even though we insured it as a custom made product and for $2,400. Further, we were also paying the appropriate premium for this cover and was told we could nt be refunded either as it is my responsibility to check PDS and ensure I am insuring correctly!

I am searching for an insurance Co which replaces a quality item with a quality item.

As a side note, during our discussions, claims officer stated our $2,000 Panasonic Viera can be replaced with a $800 Panasonic Viera if it meets the "like for like" elements.

CGU

Look I know it's not that popular but it has some great rates and offers - M+6

Been with them for years, claimed twice, easy no fuss, Had Allianz on my home insurance, trouble, trouble, trouble! Never got back to me with their claim decision. I called again and again, even lodged a compliant, then they got back to me pretty quick, and that was six weeks later, told me my claim was declined! I had a leaking roof in the middle of winter. Could have told me earlier so that I would get it fix five weeks earlier! Allianz is bad, don't get anywhere near!

Allianz

Well these guys are fair on price and fantastic on service, staff members are trained really well and have the best claims department in the insurance industry. No wonder they have been voted best general insurer in Australia 3 TIMES! Including 2011! Remember its not all about premium price when it comes to insurance!M+7

Great company excellent customer service easy car rental following an accident and car fixed promptly with no hassles. They pride themselves and stand behind their cover and so they should have been with other cheap repairers mentioned and it was no where near as efficient as this service nor was it as pleasant to speak to someone there. Wouldn't change! Worth every cent.M 

The house was robbed, contacted allianz they said they would send out claim forms, after 2 weeks I rang back, sorry about the delay will send the forms out right now, 2 weeks later no forms, I ring back and I am told to fix it myself and send out the bill, so I did, I fix it myself and then I fix allianz and went to gio and have been there ever sinceM+5

Hard to say I love an insurance company, but feel these guys are doing the right thing. I get what I'm covered and what I'm not covered for, they answer the phone when I need it, I'm happy with that.

AAMI
 Shocking customer service. VERY long story short, after someone drove into the drivers door of my car at an intersection AAMI sent the car off to their repairer who had the amazing idea to remove the compliance labels from the drivers door sill to conduct repairs. when they gave the car back the handed me the compliance labels on a sheet of A4 paper and told me to keep them in the glove box! I took the car to be valued with the compliance labels removed and it was worth $10,000 less than it should have been. In the process of removing the compliance labels they were ripped (sticker type label) and had pieces missing so when the repairer insisted on attempting to refit them it was a disaster. AAMI don't want anything to do with it and it is now in the hands of the ombudsman.