66 replies to this topic

[S pack]

Insurance is a rort ,the amount of money you fork out every year amazes me ,yet when you try and make a claim they will try and wiggle out of it!
Its based on fear and the "What if" .
I made a claim for a leaking pipe in the wall of my bathroom ,I took the splash back tiles off and located the leaking pipe .The insurance company would only cover the cost of repairing the leaking pipe , not the damage I did finding it!
I've had house and contents insurance for 30 odd years and payed thousands out ,and only made two small claims ,makes you wonder if it's all worth it .
Read the fine print .

That is unusual. My experience with locating and repairing such leaks is the Insurance companies will normally pay for investigation work to find the cause of the leak, any damage the water has caused and some will also pay to repair the wall/tiles/ceiling affected by the investigation work.

If you had enlisted a plumber to carry out the investigation work I'm sure they would have covered the cost of the investigation work and reinstatement of the wall and splashback tiles.

I have two clients that had their claims refused because there was no appreciable or permanent water damage to their property.

 

Apologies for straying a little off topic.
 

Edited by S pack, 13 February 2021 - 11:39 AM.

[Indy Orange]

Yep agree, I shouldn’t have touched it at all, but the pipe work was carried out be a licensed plumber.
I didn’t even make a claim , wasn’t worth all the hassle.

Edited by Indy Orange, 13 February 2021 - 12:16 PM.

[Rockoz]

Ive dealt with insurance companies from a few different perspectives.

And to be honest, I only had one dealing that went well.

That was for my permanent disability insurance as part of my super.

Oh, the same company did my payments for lost earnings whilst I was off work, (still am), and they werent too bad.

 

Ive dealt with them for car and household claims.

Ive dealt with them as a repairer.

I also dealt with them as a Volunteer Fire Fighter, ringing me up and asking details such as was the gearbox in place, when I was woken up at 2 am to put a car fire out. Told him the only thing that was on my mind was making sure the fire was out, and getting back to bed for an hour or so before hab=ving to get up for my real job.

 

A wise man once told me that you should treat Insurance a lot like the TAB.

If they take your policy, they are betting you wont make a claim.

You should then look at it as a bet as well. Most dont.

 

The major difference between insurance companies and the TAB is the TAB dont change the rules halfway through the race.

 

But they do deal with lots that try to rip them off.

After the January 1994 fires around Sydney there was a voice recording of a lady ringing up for home insurance.

She was asked if she had fires nearby.

She said she didnt, that she was well away from any fires.

In the background you could here the cops knocking on the door and yelling for her to evacuate.

 

Got a few other stories, none of which paint the industry in good light.

 

Cheers

 

Rob

[Shtstr]

Yep that's about right. They want to change the rules so they don't have to pay out.
It was a repair shop that they recommended so they knew what work they would do.
So they screwed up at their end and want me to foot the bill for it.
Not my problem.
I pay insurance for a reason.
If I ever need to make a claim I know it's covered and all will be sorted out.
In this case their repairer screwed up so they have to sort it not me.
The funny thing is that it doesn't cost them anything as the bill is then sent to the original repair shop.
Shannon's are not out of pocket.
But because of how they have acted in this case every time it goes to a review committee in house it's around $8000 from what I've been told and even more when it goes to AFCA.
Then for them not to follow the instructions from AFCA it can also result in fines to from AFCA.
Now that it has been dragged through their system and AFCA now 3 times in total them once AFCA twice plus any fines if they got any.
So I suppect they have spent between 8000 to 30000 to get out of a 7000 repair that wouldn't cost them a cent as the bill is sent back to the original repairer.
Go figger.
Not a very smart business ethics if you ask me.

[lakeside]

I understand your problem now I googled who owns Shannon’s. Suncorp are the picks who reused to pay me for near 6mths me over a broken leg, 3 days In hospital first time, rod, pins, then another op 7 weeks later. The insurance company seem to think I could go back to work as a electrician a week after I snapped a leg in half

[Ice]

I have had 3 claims with Shannons and never had a problem with them even get to choose my own repair shop 

but what you’re going thru its just not right 

 

Have you thought about getting a lawyer Dave i know its more cost but 

[DMLC71]

I’ve had four repairs from Shannon’s 

three were their nominated repairer

one was my own repairer

one of the repairs by their nominated repairer I was not happy with when I got home and checked the car. I called Shannon’s and the car went back the next day. The repair shop sent a lady out to see me ( only ever delt with the manager before). As she tried to talk utter shit I cut her off and told her you’ve picked the wrong person. I call Shannon’s while I was there. Told Shannon’s I was leaving the car there and it will be locked. I will unlock it once I organise an independent assessor to review the quality. Well well out walks the guy who I was dealing with. He could not apologise enough. Car was repaired again and still not a good repair. We all know metallic can’t blend. I refused to take the car. I met a Shannon’s inspector ( a contractor) and the car stayed there for a third time. The final repair was spot on, absolute spot on. The shop changed their tune and were very nice in the end. 
 

What I put it down to....

The driver who hit my car was at fault, had insurance, I got her license and rego, so the expenses to repair who cares I’m not a fault.

WRONG these insurers cut deals amongst them self to save money and make money, that’s 100% fact.

If I had refused the shop to rectify the repairs I’m certain I would of not got the result I got.

The shop was given a price/budget/quote to work to so they did the work based on price. That’s business.
 

Anyway Shannon’s has a lifetime warranty on the repairs.

I can’t fault Shannon’s, they were always respectful to me of my concerns.

 

My advice return the car to the repairer and have pictures/stat decks/testimonies form people who can vouch for the quality prior to the accident.
If my LC was damaged I don’t know how the car can be repaired to the show room condition it is in now without re doing the whole car !!!!

 

Dazm

[Rockoz]

I understand your problem now I googled who owns Shannon’s. Suncorp are the picks who reused to pay me for near 6mths me over a broken leg, 3 days In hospital first time, rod, pins, then another op 7 weeks later. The insurance company seem to think I could go back to work as a electrician a week after I snapped a leg in half

 

Im an electrician as well.

Before my current dramas, which I will mention as well, I had a workers comp claim.

My idiot colleague thought it would be a good idea to run the scissor lift, a small one albeit, across the grass just after rain.

There were a few of us and we decided to try to push it back onto the concrete.

I didnt think we had much chance, but joined in the effort.

My workboots were a bit bald, and they slipped out from under me.

Like skating on ice.

I tried to hold myself up, but gravity won and I did myself an injury to the shoulder.

The compo insurers were a bugger to deal with. But eventually I got the surgery required.

The whole process with the compo insurer was stressful.

 

With the bike crash, the third party insurer was a lot better to deal with.

But they still had their problems.

My first surgery was approved without delay.

The knee with snapped ligaments was the obvious problem to deal with.

The subsequent spine injury became more apparent after the knee was fixed.

They delayed the spine surgery for a bit over 6 months after I recovered from the knee surgery, which was when we discovered the spinal problems.

Once the surgery was approved they became okay to deal with and things went without much drama.

 

The insurers through my super fund were almost a breeze to deal with.

I only really had one stupid phone conversation trying to explain what was happening.

The girl on the phone just didnt seem to be able to comprehend what I was going through.

Eventually she got it, and things went smoothly.

I got the entire 2 years benefit from the sickness/accident policy.

At the end, I got a lump sum for the last couple of months to close the policy off.

 

I looked at the permanent disability policy and made a call.

The super fund people were the ones who decided whether to allow a claim or not.

They were great to deal with and helped me lodge the forms.

It was only a month after I lodged the claim that I was paid out.

 

If you have a sickness/accident policy either with your super or elsewhere, a few words that might help you out.

Mine paid 85% of my earnings. I took that to be just my wages.

If you have a policy, make sure you add the super to it, as well as the deemed value of a company vehicle if you have one.

It will help you survive a bit better if you need to make a claim.

Things like that arent properly explained to you a lot of the time.

 

Cheers

 

Rob

[Shtstr]

Well update time.
I had a report giving to myself today from AFCA.
From what they have said Shannon's are now going to rectify it correctly.
I'm waiting for a confirmation email and have also requested that Shannon's insurance also supply one too.
I have listed in an email my understanding of what I was told today and said I want it in writing from both Shannon's insurance and AFCA.

[skap]

hopefully gets resolved.

 

What was the initial damage?

[Shtstr]

hopefully gets resolved.
 
What was the initial damage?

Had the head of an industrial 75cm fan fall on the drivers side gaurd small dint and scratched it along with the door and sill.
Wasn't much damage at all.
If you go back through the post you will see photos of it.

[Shtstr]

Well update time.
After a year and a half Shannon's have finally agreed to rectify the paint.
Car will have a full partial paint strip to reduce the paint film thickness and respray the entire car.
Have it in writing from Shannon's insurance company and AFCA now.
It pays to know what you are talking about and what needs to be done.
Stick to your guns.
It might take time but it will be fixed properly.

[Shtstr]

Make sure that you give Oz Rods an appropriate Google review Shtstr. Not only is that quality atrocious but so is their attitude.

I did and added photos. Plus I gave Shannon's one too.

[Shtstr]

I knew there would be a catch with this shit with Shannon's.
They want my car to go to a shop that has a 2.5 year wait time.
What a frOcking joke.
Now trying to get them to let it go to a shop with only a 6 month wait time.
Just another frOcking delay.

[S pack]

I knew there would be a catch with this shit with Shannon's.
They want my car to go to a shop that has a 2.5 year wait time.
What a frOcking joke.
Now trying to get them to let it go to a shop with only a 6 month wait time.
Just another frOcking delay.

They are still hoping you will just give up. Bet you a slab that shop does not have a 2.5 year wait time for people with insurance funded smash repairs!

Put it to them to pay you out the value of the repair shops quote for the repairs and you will find another repairer yourself.
 

Edited by S pack, 11 March 2021 - 08:42 AM.

[Shtstr]

They are still hoping you will just give up. Bet you a slab that shop does not have a 2.5 year wait time for people with insurance funded smash repairs!
Put it to them to pay you out the value of the repair shops quote for the repairs and you will find another repairer yourself.

Don't want a cash settlement because I know it will cost more than they are saying.
 

[Ice]

You get a choice of repairer find some else that does Shannons work that are capable  simple really 

[Shtstr]

You get a choice of repairer find some else that does Shannons work that are capable  simple really 

Yeah I know but try telling them that.
Been nothing but a joke the whole way through this bullshit.

[RallyRed]

I'd be guessing the normal policy conditions are well and truley gone?.....they may be thinking they are doing it as a show of faith/ as directed/ under sufferance...and thus it wont be easy.  Shame. 

Hope in the end you get you car back 100% good. 

[Shtstr]

I'd be guessing the normal policy conditions are well and truley gone?.....they may be thinking they are doing it as a show of faith/ as directed/ under sufferance...and thus it wont be easy.  Shame. 
Hope in the end you get you good. 

I can't see how it could be done under pain and suffering.
It's clear that the repair stuffed up so it has to be rectified correctly.
For anyone who has seen the car in person before the so call quality repair job was done they will back me up in saying that it is not right.
Provided they don't work for Shannon's as the original assessor did.
I'm lead to believe he no longer works for them now.
Considering he signed off on the work via photos sent to him by Oz Rods.

As I've said before. Before this shit repair job was done I've never had a problem with Shannon's insurance.
I'm still dumbfounded by what has transpired in the last 1.5 years and is still going on.
I have they really get their shit together as when I posted this on Facebook I had about 20 people contacted me saying they have had similar experiences and problems with Shannon's in the last 5 to 10 years.

[RallyRed]

Pain and suffering in their view, i.e. you had to drag them kicking and screaming.

[Shtstr]

Pain and suffering in their view, i.e. you had to drag them kicking and screaming.

8

That's more to the point.
Would love to know how much they have spent trying to get out of it.
Would have been cheaper to just fix it in the first place I think.

[skap]

Im an electrician as well.

Before my current dramas, which I will mention as well, I had a workers comp claim.

My idiot colleague thought it would be a good idea to run the scissor lift, a small one albeit, across the grass just after rain.

There were a few of us and we decided to try to push it back onto the concrete.

I didnt think we had much chance, but joined in the effort.

My workboots were a bit bald, and they slipped out from under me.

Like skating on ice.

I tried to hold myself up, but gravity won and I did myself an injury to the shoulder.

The compo insurers were a bugger to deal with. But eventually I got the surgery required.

The whole process with the compo insurer was stressful.

 

With the bike crash, the third party insurer was a lot better to deal with.

But they still had their problems.

My first surgery was approved without delay.

The knee with snapped ligaments was the obvious problem to deal with.

The subsequent spine injury became more apparent after the knee was fixed.

They delayed the spine surgery for a bit over 6 months after I recovered from the knee surgery, which was when we discovered the spinal problems.

Once the surgery was approved they became okay to deal with and things went without much drama.

 

The insurers through my super fund were almost a breeze to deal with.

I only really had one stupid phone conversation trying to explain what was happening.

The girl on the phone just didnt seem to be able to comprehend what I was going through.

Eventually she got it, and things went smoothly.

I got the entire 2 years benefit from the sickness/accident policy.

At the end, I got a lump sum for the last couple of months to close the policy off.

 

I looked at the permanent disability policy and made a call.

The super fund people were the ones who decided whether to allow a claim or not.

They were great to deal with and helped me lodge the forms.

It was only a month after I lodged the claim that I was paid out.

 

If you have a sickness/accident policy either with your super or elsewhere, a few words that might help you out.

Mine paid 85% of my earnings. I took that to be just my wages.

If you have a policy, make sure you add the super to it, as well as the deemed value of a company vehicle if you have one.

It will help you survive a bit better if you need to make a claim.

Things like that arent properly explained to you a lot of the time.

 

Cheers

 

Rob

 

 

wow.  idiot colleagues unite to push scissor lift.  

 

Hence us intelligent minority keep getting massive premium rises. lol

[Rockoz]

wow.  idiot colleagues unite to push scissor lift.  

 

Hence us intelligent minority keep getting massive premium rises. lol

idiot colleague who decided it would be a good idea to drive the thing across the grass in the first place.

It was only a small lift, and in theory, the numbers we had should have moved it easily. It and its trailer were under 2.5 t.

The physics of where the non driven wheels were was the issue.

 

Cheers

 

Rob