Nrma Insurance.....beware
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  1. #1
    Fellow Frogger! Greg's Avatar
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    Default Nrma Insurance.....beware

    Our C5 V6 had an altercation with a kangaroo on early Tuesday evening. I was amazed at how little damage was done, considering the I was travelling at about 100 KPH. The kangaroo was killed outright.

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    I was able to continue home, and closer inspection showed that by the state of the front number plate, that the bumper had deformed and returned to its original shape with little sign of the encounter.

    Unfortunately the headlamp lens was broken, the self leveling lamps dislocated, part of the grille broken, the bonnet front corner slightly deformed, and the headlamp washer cover plate broken off, which all meant an insurance claim.

    My prefered repairer is Ideal Bodyworks at Mortdale (Sydney), and although they had been a NRMA prefered repairer, they had not renewed their contract with the NRMA due to the current dispute over changes to repair procedures.

    Ideal Bodyworks agreed to repair our car, but a call to NRMA claims was a different story. Ideal were no longer a prefered repairer, and I couldn't take the C6 there. I had not take out the 'Repairer of Choice' option on the policy.

    I wasn't aware that this was an option on the policy. As I pay the policy 'By the Month', at renewal time, the policy just continues, with no need to call NRMA. NRMA insisted that I was notified of the option, and further scrutiny found the option written in small print in the second last paragraph on the last of 6 pages in my Policy renewal letter. It was a very obvious attempt to conceal the option.

    No amount of arguing would alter their decision not to allow Ideal to repair the car. Nor could they advise me if any of the current prefered repairers had Citroen experience!

    The present situatiuon is a stalemate, with an NRMA Insurance Asseser instucted to call me. I'm still waiting.

    I won't be renewing our policy with the NRMA, nor any of our other policies!

    If you have NRMA car insurance, check to see if you've taken out the 'Repairer of Choice' option on your policy, as without it, your in trouble if you want to have the repairs done by someone with Citroen experience!

    Greg

  2. #2
    Real cars have hydraulics DoubleChevron's Avatar
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    Quote Originally Posted by Greg
    Our C5 V6 had an altercation with a kangaroo on early Tuesday evening. I was amazed at how little damage was done, considering the I was travelling at about 100 KPH. The kangaroo was killed outright.

    I was able to continue home, and closer inspection showed that by the state of the front number plate, that the bumper had deformed and returned to its original shape with little sign of the encounter.

    Unfortunately the headlamp lens was broken, the self leveling lamps dislocated, part of the grille broken, the bonnet front corner slightly deformed, and the headlamp washer cover plate broken off, which all meant an insurance claim.

    My prefered repairer is Ideal Bodyworks at Mortdale (Sydney), and although they had been a NRMA prefered repairer, they had not renewed their contract with the NRMA due to the current dispute over changes to repair procedures.

    Ideal Bodyworks agreed to repair our car, but a call to NRMA claims was a different story. Ideal were no longer a prefered repairer, and I couldn't take the C6 there. I had not take out the 'Repairer of Choice' option on the policy.

    I wasn't aware that this was an option on the policy. As I pay the policy 'By the Month', at renewal time, the policy just continues, with no need to call NRMA. NRMA insisted that I was notified of the option, and further scrutiny found the option written in small print in the second last paragraph on the last of 6 pages in my Policy renewal letter. It was a very obvious attempt to conceal the option.

    No amount of arguing would alter their decision not to allow Ideal to repair the car. Nor could they advise me if any of the current prefered repairers had Citroen experience!

    The present situatiuon is a stalemate, with an NRMA Insurance Asseser instucted to call me. I'm still waiting.

    I won't be renewing our policy with the NRMA, nor any of our other policies!

    If you have NRMA car insurance, check to see if you've taken out the 'Repairer of Choice' option on your policy, as without it, your in trouble if you want to have the repairs done by someone with Citroen experience!

    Greg
    Shannons rule .... Seriously I have 3cars insured through them, pay by the month at no extra charge, not scared of a CX GTi Turbo (that doesn't even show on the computer system) etc, etc, etc....

    They will also allow you to choose a repairer of choice, and always allow you to have the wreck in the event of a write off.

    http://www.shannons.com.au/shannons/shannons.nsf

    I've never made a claim (and never intend too), however i've never heard a bad thing about them --unlike NRMA and AAMI (in particular).

    seeya,
    Shane L.
    'Cit' homepage:
    Citroen Workshop
    Proper cars--
    '85 Series II CX2500 GTi Turbo I
    '63 ID19 http://www.aussiefrogs.com/forum/citro%EBn-forum/90325-best-project-car-you-have-ever-seen.html
    '72 DS21 ie 5spd pallas (last looked at ... about 15years ago)
    '78 GS1220 pallas
    '92 Range Rover Classic ... 5spd manual.

    Yay ... No Slugomatics


    Modern Junk:
    '07 Poogoe 407 HDi 6spd manual

  3. #3
    Tadpole
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    NRMA are the biggest shonks in the business. I left them a couple of years ago and now use AAMI.

  4. #4
    Fellow Frogger! pugpete's Avatar
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    Default the 3 big NRMA Scams:

    the 3 big NRMA Scams:

    1: Hire car option:
    you have to pay 500 bucks deposit or credit card imprint, but NRMA will say its "free of charge" apart from the option cost.

    2: the choice of Repairer: only if the repairer is able to walk hot coals while whistling will they be aprroved, or if they are cheap as shit.

    3: old cars: anything over 3 years is considered old and will break, therefore they ad an extra 100-200 bucks for the exact same model, when its a few years old. They love ford and must have some deal with them as fords are cheaper than any conparable car to insure with NRMA...

    I have lived with a NRMA staff member and they had the hire car option on there own car, only to findout as they didnt have a credit card, sorry no hire car for you, no refund of option.

    NRMA suck dogs balls, unless your old, been with them for years, and have a brand new car.... thats is a ford.
    205GTi Peugeot 1988 Graphite Grey for sale $2500

  5. #5
    1000+ Posts Uga Boga's Avatar
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    Greg,

    Any pictures of the damage? Would be interesting....

    Kanga's are known to cause a shitload more damage....

    Did it happen on the Putty road? hehe, i really hate those twisties...
    407 3.0L Exclusive (2007)

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  6. #6
    Fellow Frogger! mattg's Avatar
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    I Love shannons.

    Anything thats not Ford or Holden I'd go with them.
    They will even cover cars that are in a shed under restoration. or at least they did 3 years ago.

    Nothing worse then you half finished pride and joy going up in smoke befor you even get to drive it.

    Go shannens.

    I have put to claims through them and kept one wrecks and repaired the other minor damage.

    They cover the Xsara.

    mmmmmmm I wonder if they pay commision

    Cheers
    MattG
    2002 Xsara VTS

  7. #7
    1000+ Posts cruiserman's Avatar
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    Quote Originally Posted by Greg
    I couldn't take the C6 there. Greg
    Not suprised there

    I tried to insure the cx import, CGU who had the insurance on the other CX, 405, house, contents, camping equipment, camper trailer, did not want to know about it sorry sir that is a manual we only cover cmatic pallas'. Two days later I get a letter in the mail, We have recently discovered that your CX 220 (bugger I thought it was a 2200) is imported and as such we are cancelling your policy as of 2 day time. I rang them to say that is fine but you need to check your facts as it was bought new by its previous owner in 1976 in Sydney. Ill get the case supervisor to call you back she is on the phone atm. Must have been a long call as I still havent had the opportunity to exact my pound of flesh 2 weeks and 2 days later.

    Rang Shannons re the imported pallas - certainly sir how much would you like to insure it for and would you like to pay in full now or by monthly deductions at no extra cost (unlike Nothing Really Matters Anymore who charge a considerable premium for such a thing)
    Neil
    '94 405 SRBT

    '82 CX 2400 Pallas 5spd

    '77 CX 2400 Pallas 4spd manual Import

    '76 CX Super

    '05 WL Statesman

    '92 HZJ80 Landcruiser

  8. #8
    UFO
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    CitroŽn Tragic UFO's Avatar
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    And better yet when you call Shannons and tell them you are a member of a recognised car club (eg CCC of NSW) the price gets better. Policy changes are never a problem AND you receive the updated policy doco within two days.

    If you get one of the guys there who is into French cars the phone calls can last a while though
    Craig K
    2009 C5 HDi Exclusive

  9. #9
    Local Tyrant gibgib's Avatar
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    I think I might need to change over to Shannons on my vehicles.
    Their website has a quoting feature like the big guns http://secure.shannons.com.au/dirs/s...Insurance_Info

  10. #10
    Fellow Frogger! neural revolt's Avatar
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    Quote Originally Posted by Greg
    If you have NRMA car insurance, check to see if you've taken out the 'Repairer of Choice' option on your policy, as without it, your in trouble if you want to have the repairs done by someone with Citroen experience!

    Greg
    Greg
    [/B]

    Beware!!!!!
    just because you have paid for the option of including the repairer of your choice in a quote , doesn't automatically mean that the NRMA has to accept that quote, they can still mandate one of their "preferred " repairers; you could simply be wasting your money. I've used NRMA (which is really IAG) insurance for 38 years; but not any more!!!

  11. #11
    Moderator Alan S's Avatar
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    I went with Shannons on my house and contents aftermany years with Suncorp and previous to that SGIO so it went back a long time and all was roses until.....I made a claim.
    Assessor arrives and declares everything I claimed on as seperate claims (pay less out that way because each claim has an excess) washing machine and dishwasher went up in flames and were irrepairable and I was on a "new for old" policy, so he declares them all "fusion" not "Fire" claims so all they had to pay for was motors not complete appliances. Ceilings fell on cars so they became motor vehicle claims not storm and tempest. Caravan being used as additional workspace that was hit by flying debris and covers supposedly covered by policy were rejected because the caravan wasn't insured as a seperate entity, extranious water damage was declared as flood damage, car parts water damaged when the water went through the garage were supposedly car related but oops, sorry, that's not covered and so it went on.
    I have to hope now if I need to claim that they're a lot better than Suncorp were; time may tell. I went Shannons because I can talk to an Aussie about my Australian property and cars and got the Insurance because I was already a client.
    I don't want to piddle in teh punch bowl, but unless they have changed their policies, methinks some of you guys might be in for a rude shock when you try to get cover as the reason they can offer what they do, is due to the guidelines they lay down for acceptance.
    Things they don't like, are, modern mainstream cars. Under 29 year old drivers and people who are not members of specialised car clubs.
    Ideally, someone 30 or over with say a DS that does about 5 - 10K klms a year and who has pics to show it has been partially or fully restored and is a pillar of the Cit Car club are prize candidates.
    Someone with say an Mi16 205Gti who runs in Hillclimbs are another. A Lawyer with a Porsche911 would have no problems either, but a 23 year old with a 405 SRi doing 30K klms a year I doubt would get a start.
    The logic they work to is that anyone who has spent 5 years redoing a car will hardly go out and tear the guts out of it or drive it like he's got shitforbrains. Similarly, somone who spends $150K on a flashy sportscar who observes all their stipulations with alarms, lock up garage and immobilisers is uauall a fairly good risk. They just don't take anybody on and if that's what they're now doing, make the best of it, coz, it ainta gunna last.


    Alan S
    If it ain't broke, use a 12" shifter.....that usually does the trick!!

  12. #12
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    Late last year Shannons readily accepted my 504 when it was declared that the car was garaged and I was a member of this forum. The 504 had been insured some 29 years with NRMA.

    However a few months later knowing that I was already on their books, when I presented a near new Holden wagon it was rejected when I said the vehicle would not be garaged (the 504 being stabled there already). The wagon went to NRMA as a ring around determined them to be the cheapest. Preferred repairer option still inclusive in the policy at no additional cost at this time.

  13. #13
    Member Clio Cup's Avatar
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    I heard on the radio yesterday that NRMA is in such serious poo with the repairers dispute that they organised a meeting with the MTA. The previous day a big meeting was held in Sydney out west, with Sutherland council announcing cancellation with NRMA insurance of their fleet of 135 cars. Two other big announcements were also pending.

    I wouldn't touch NRMA with a barge pole. Recently switched from AAMI to Shannons-$500 excess (against $350 with Shannons), choice of repairer, 1 free windscreen claim a year.

    Another amusing story with NRMA...people trust their vehicle inspections like gospel an inspection was done an a Honda Civic in our car yard, which had been totally resprayed due faded silver paint, and came up like new. Inspector remarked what fantistic condition in was in...never picked up the respray

    Yet the have in the fine print all due diligence and care but no responsibility for ommissions and errors...so WTF does the customer pay their $$$ for

  14. #14
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    Quote Originally Posted by Greg
    written in small print in the second last paragraph on the last of 6 pages in my Policy renewal letter. It was a very obvious attempt to conceal the option.Greg
    I would suggest that you have good grounds here to go to the insurance ombudsman with a complaint of deceptive conduct... which is against the Trade Practices Act. The acid test is the overall impression of the document they send you. If there is a landmine burried deep within the fine print, you have a chance of having it overturned.

    It's worth a letter.

    By the way, Shannons were the only ones who would insure my Pluriel at a sensible price. Likewise, they were the only ones to make me an offer to cover a 35-year-old Silver Shadow (oops... wrong side of the channel).

  15. #15
    Real cars have hydraulics DoubleChevron's Avatar
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    Quote Originally Posted by JamesII
    I would suggest that you have good grounds here to go to the insurance ombudsman with a complaint of deceptive conduct... which is against the Trade Practices Act. The acid test is the overall impression of the document they send you. If there is a landmine burried deep within the fine print, you have a chance of having it overturned.

    It's worth a letter.

    By the way, Shannons were the only ones who would insure my Pluriel at a sensible price. Likewise, they were the only ones to make me an offer to cover a 35-year-old Silver Shadow (oops... wrong side of the channel).
    Strange I would have thought a Roller would be an excellent insurance risk. Who's going to steal one They don't go really fast, none of the riceboys want there parts ... Proffesional theives might pinch 'em, but there market would be limited for resale and parts.

    The idea when driving them is to be sedate and "Stately" in your travels... I really would think all insurance companies would think they are a minimal risk.

    I would have thought the Plurial would be as easy as a C3 to insure

    seeya,
    Shane L.
    'Cit' homepage:
    Citroen Workshop
    Proper cars--
    '85 Series II CX2500 GTi Turbo I
    '63 ID19 http://www.aussiefrogs.com/forum/showthread.php?t=90325
    '72 DS21 ie 5spd pallas (last looked at ... about 15years ago)
    '78 GS1220 pallas
    '92 Range Rover Classic ... 5spd manual.

    Yay ... No Slugomatics


    Modern Junk:
    '07 Poogoe 407 HDi 6spd manual

  16. #16
    UFO
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    Quote Originally Posted by DoubleChevron
    Strange I would have thought a Roller would be an excellent insurance risk. Who's going to steal one They don't go really fast, none of the riceboys want there parts ... Proffesional theives might pinch 'em, but there market would be limited for resale and parts.

    The idea when driving them is to be sedate and "Stately" in your travels... I really would think all insurance companies would think they are a minimal risk.

    I would have thought the Plurial would be as easy as a C3 to insure

    seeya,
    Shane L.
    But who wants to pay to repair a Roller after a bingle?
    Craig K
    2009 C5 HDi Exclusive

  17. #17
    Real cars have hydraulics DoubleChevron's Avatar
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    Same problem if some person hits the same Roller in the old Datsun 120Y... There insurance company still forks out to fix the Roller ... So what's the difference ... The likelyhood of someone that owns a Roller crashing the same car I imagine would be very remote (imagine how careful you would be).

    seeya,
    shane L.
    'Cit' homepage:
    Citroen Workshop
    Proper cars--
    '85 Series II CX2500 GTi Turbo I
    '63 ID19 http://www.aussiefrogs.com/forum/showthread.php?t=90325
    '72 DS21 ie 5spd pallas (last looked at ... about 15years ago)
    '78 GS1220 pallas
    '92 Range Rover Classic ... 5spd manual.

    Yay ... No Slugomatics


    Modern Junk:
    '07 Poogoe 407 HDi 6spd manual

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