Inexperienced driver!?

[malkitek]

Hello,

Not sure if it's just our insurance company but we have just discovered we are classed as inexperienced drivers for first two years of our Aussie license! And as I have just had a fight with a bollard in McD's this means an added excess of $500! (my first accident ever in 12 years, honest!)

Seems an addiction to frozen coke is a dangerous thing, oh and an inability to read insurance policies thoroughly!

Gill x

[Guest Guest5035]

did you have insurance in the UK, if so then your ncb will be carried over.....as a matter of interest, which company are you with

 

stevo

[HEAPS GOOD !!!]

We brought out full NCB with us from UK, they never asked for any proof just got the full amount straight off....

 

Were with Allianz....

 

HG

[malkitek]

Hi, yes we brought no claim bonus of seven years plus, which made insurance cheaper but didn't stop inexperienced driver excess if accident my fault, apparently as they don't count the years of uk license? very confusing!

We're also with Allianz, which crash repairer says is one of the better ones.

Gill x

[HEAPS GOOD !!!]

seems quite strange we have over 10 years experience might be worth you looking into a little bit more...

 

HG

[malkitek]

Thanks heap good, will try and get them to explain it!

Gillx

[Guest parko]

Hi Malkitek

How bad is the damage i had a bump on our car and got it fixed by a guy in Hahndorf who does work for a couple of well known garage in the hills and done a great job and also did not have to go through my insurance.

 

Parko

[malkitek]

Hi parko,

Thanks for that, but somehow I have managed from one bollard to destroy two doors and the hinges, and the sill (?). Honestly was going very slow and was just thinking isn't there usually a bollard here?! Crash repairer could repair instead of replace but said would still be way over excess? I do have protected ncb but will still be inexperienced driver for another 18 months!!

Gill x

[Guest lippy]

We were originally with Allianz and they do treat you as inexperieced for 2yrs and charge you the extra excess in that period. They also use 2nd hand parts to fix new cars.

 

They are one of the largest and quite often cheaper than the rest but you need to read the policy to see if it's for you - it's a case of reading the fine print.

 

No longer with them....

[Rob and Mel]

We got stung with this when I bumped our car.

 

Always read the terms of the policy.

 

We also use Allianz but I have been told it the amount of time you have had an Australian driving licence.

 

You can have a licence from over seas for infinite years it does not make any difference.

 

I got stuck with an excess of $400 that I did not read about.

 

I know it was my fault for not reading the policy before I get blasted from fellow members on here.

 

Rob and Mel

[Guest loopylisa]

i'm with BUPA aka muual community and they just sked how long I had held license. we also get discounts for having content, car and health with same community and there customer service is the bst I have experienced from an insurance company. Also you get very good rebte rates for the health insurance.