AAMI Home & Contents Insurance Questions & Answers

My main complaint about AAMI is that they took well over 4 months to settle a fairly straightforward bushfire damage claim. OK they paid fully in the end but it was a long and tedious process which I didn't need on top of the stress from the bushfires. Their Ad's potray them as a caring and compassionate company, crap, they are looking after themselves; their shareholders and bottom line is all they really care about. Their advertising "Lucky I'm with AAMI" is just hypocritical, and they need to be called out for their cynical posturing.

Yes Budget is also good, have my one vehicle with them and no complaints yet.

PROBABLY

After over 5 months waiting for reply, have since sent another e mail, 3 weeks ago, as yet no reply

No idea sorry

if you have the accidental cover option enabled then yes. However, compare the excess for content, if it is greater than the cost of the tv then there is really no point. so the amount refunded will be TV cost - Excess for content.

No this is not a facebook page. it was what happened and how AAMI dealt with us

The problem seems to be the lack of baseline to gain relativity, the lack of overview and quality control. One avenue may be to lodge an official complaint through the complaints department. However while this may provide a result, it may still be far from satisfactory depending on the nature and number of issues ( For us there were many.. enough to cause ongoing grief for the past five years?. Ombudsmen are a waste of time as they can only investigate not bring about resolution.. a seemingly common trait with Government bodies today with their " we cant do anything " responses or poor investigation techniques? As to alternative companies seems most have same poor reviews possibly given they fall under the two major insurer umbrellas IAG or Suncorp.

I found it pays to persist and stand ground against them, and providing information and asking questions couched in legal speak. Also telling them that it will ultimately cost them more the longer they continue to " short change" or stall and will provide photos,receipts or costings of similar items to replace in their " new for old " replacement policy. Can send an email to myclaim @ aami.com.au and claim number in the subject box, or request forwarding on to complaints. Unfortunately someone in Adelaide doesn't know another in Brisbane? Accessing their new web account is pretty fruitless exercise other than to check payout figure if it s working. Asking either full name and employee number on phone which some don't seem keen to provide and a direct phone number but insistence they do under law sometimes pays off. If they claim they are recording conversation, can say you are also? Unfortunately many organisations are short on accountability these days including Councils. Helps also to download and read the booklet so as to quote relevant sections and not to believe anything they say. f they say they will phone back, ask when, time frame etc. Changing insurers doesn't always solve the problem.

Hello it surely would be but depends on how much excess u have, usually the motor costs around $100 -$200 depending on the size and not very hard to change

Regarding Di Coopers question.
I have no idea on an answer for that, would suggest she contacts AAMI for clarification with that one.

Hi Beth089 this is probably a long shot but I found your question about Phenix Jewellers today (a yr after your comment lol) I have just had to claim my wedding and Engagement bridal set thru another insurance company and was made to go to Phenix also. I found it very annoying concidering the Jeweller we bought my original rings from could replace them for a lower cost. I couldnt afford to get a new one designed and made by phenix so I chose a completly new ring and now I feel sick about it! I want my old ring back and wish I had have fought harder. What was your experience with Phenix??? Did they help you out and do you think your new jewellery was the same value??

Hi no I refused to go to Phoenix jewellers I went to look at the jewellery they offered it wasn't very good at all!! So I refused my insurance company to make me go there and they were great about it all and gave me cash into my bank account

I'm not sure of a stand-alone template but I DO know that Quicken financial software has something similar included in their personal finance program. I would assume that others might do the same. Make sure you take photos as well, as my experience with AAMI treating ME like a criminal makes proof of ownership a worthwhile thing. Regards. Graeme.

Firstly I would agree with Matheson, take photos of your possessions and preferably with a date stamp on the photo so there is no way any insurance company can dispute you owned it and possesed it. I would even send the company coppies when you insure them so they cannot dispute your description and value. Insurance companies are so nice when taking your premimum money but will treat you like a criminal in order to not to pay out on a claim. I think they do this as a mater of course to deter people from even pursuing what they are entited to. So you must treat them like a criminal organisation and cover yourself from any potential dispute. The more the detail the better coverage you will have. It takes time but only needs to be done once and occassionly updated as you change your possessions. It is good for you to realise what you have and what it is really worth. Not just the valuable items but also the worthless. Why pay premimums on things that loosing would be a plus in life.

Thank you Graeme and Brenton for your input. We are also with AAMI and have been for several years. We have not yet needed to make a claim but as I watch the premiums increase every year I do wonder how they would respond should we ever need them. We don't want to pay sky high rates for insurance but neither do we want to go the cheap and nasty route which lets you down. I am checking Products Review today in the hope of gaining some clues before renewing our annual policy.....it is proving more difficult and time consuming than expected!!!! With every company there are dastardly reviews and a lesser number of excellent reviews. It is hard to know whether the staff at most centres are inefficient, rude and incompetent or whether the delays are due to claim forms being filled in wrongly in the initial stages of the claim. If staff are too lazy to advise what you have done wrong in these instances then delays are bound to follow. It is probably a mixture of both! All I want is to pay a reasonable rate for insurance cover and be confident in the knowledge that were we to make a claim in the future, the insurance company would honour it's commitment to me as the customer. It doesn't help that I have to plough through two booklets to read the cans and can'ts of the policies!! Sadly judging by this page, there are many more unhappy customers with AAMI than happy ones. Now I am more confused than ever!!

You need to take out extra cover for portable valuables which incurs an extra premium.
Might be a good idea to ask AAMI for a Product Disclosure Statement booklet as it is all listed in there.
Good luck.