Hi,
I'm looking for some decent income insurance. Can anyone suggest a reliable agency with non-extortionist premiums?
Must include cover if injury occurs kite boarding/surfing/cycling

I've been with the same numpties for nearly a decade, never claimed, and they have continually hiked up my premiums to the point they are completely abusing the 'loyalty' situation.

Also when changing jobs a while back, and notifying that I had a bit of increase in income, they made me fill out 40 x pages of forms (which they lost and I had to do it again!!) They have not activated the changes - again - and are wanting the 40 pages again!!
Hopeless numpties.

In short their service is r@tsh!t, their premiums overpriced and I've had a gutful!

Thanks Breezers

http://cm.onebigswitch.com.au/t/ViewEmail/r/96ECF799E28230AE2540EF23F30FEDED/BEC5C29BEE8E4F3084E5AAD5A6C37FC6


Try signing up to the "Big Insurance Switch" - the above offer to members came to me via email this morning. If you're interested in the Switch I think you can join (free and you don't get too many emails) when you click the tab to see the offer.

I haven't used this group buying process yet for any of my insurances but I've read good reports about it.

Remember though that they all want you to sign up but they generally make it hard to claim.

Ta for the replies fellas.

Original policy was IMG - then - Tower - now - OnePath (all under ANZ banner as each company has been 'reimagined' )


They have NOT processed any changes to my profession or income (yet have increased the premium multiple times in the last year alone) as they have not had their act together to process the 40 pages of forms I have returned.

I mean - seriously?? - Who needs 40 pages of docs (that I had to print out each time) to notify of change of employer and income??
No electronic option was available, what a waste of time, paper and energy.

NOTE: I get the distinct impression ANZ have taken FULL advantage of the fact that my home loan/savings are also them and are milking the 'loyalty' (read: too painful/lazy to look elsewhere) factor to the max.

Time for a change all round as in every respect ANZ service has been rubbish for years.

Yes, am looking into Super provider policy today but expect a fair bit of red tape to wade through.

Here is the rub for most peeps; it is that painful to sort this stuff most (like myself) stay far too long in a poor value policy and when it's time to pull stumps the provider must be thinking "Oh that is a shame, still, we milked that sucker real good while we had him"

Be wary of fine print, its often not worth much, maybe another option just having death and disablement cover via your super fund. And maybe think about industry super funds.

Will look into industry super etc.

No doubt Veeb. How is the knee mate?

As little Jon said, be wary of the fine print, many insurers now won't cover claims resulting from aerial sport, this includes kitesurfing. Seems that anything that involves height is just too risky for a lot of insurance companies. I dropped my insurance through super and went through a broker to find one that would cover me, I still claim the premiums on my tax so same as having it paid from my super, just means the insurance suits my needs.

Yup that's correct Stephen..

Can't claim a tax deduction for IP or LI paid by your super fund..
And yes fees & costs erode your super balance...

I am a finance broker and I refer my clients to Life broker for their insurance cover.

They have a large suite of the main insurer available and would provide a free no obligation quote for the most competitive insurer.

Send me a pm if you want me to refer you, simply give me your full name, smoker or non-smoker and a convenient date and time to be contacted as well as your preferred contact number.
They will give you a call at the agreed time and you can take it from there.

If you get a quote from them, let me know how it compared to your own research as I always like to make sure that they are competitive.

Cheers,

Hey Funky - long time no hear?

Best to look at what your Super Fund can do for you before going stand alone. As part of the exercise you may find a better fund to put your Super into, other than the one that you are in now.

But never cancel your existing arrangements until you are sure that any new arrangements meet your needs. There may be a brief period where you have doubled up, better than where you have a period with no cover at all. Also make sure that this fits in with what your wife's cover has as well.

I'd be weary of the fine print, esp. in the area of the aforementioned activities, heaven forbid you need to claim through an accident.

I looked into it many years ago, but found it was way too expensive compared to the loopholes hidden in the Ts & Cs.
They have 10s of ways of getting out of it, and you will have paid for nothing all these years.
This is no different than travel insurance, baggage insurance, home insurance and all that.

Get a lawyer