Joono, hubby was automatically going with whatever deal for comprehensive insurance his insurance broker told him was the best deal.
last year, this broker was bought by Wesfarmers. Their quote was for over 1000$ from Wesfarmers. I queried it, as the same policy through Coles, where the only difference was 100$ more in excess, was 550$. That more than covers the excess difference if one needed to claim.
He went with Coles. Same underwriter for the policy, same policy fineprint.
we were rearended by a driver with no insurance on a Saturday night. The Coles claims number was answered quickly, they were friendly and efficient. First thing Monday, they had an appointment ready with a local crash repairer, to look at it.
The car had no structural damage and just a couple of nicks in the paint, so in the end, no claim was made, but I was impressed by how they responded. So my car is insured through them too now.
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Buttercup: You mock my pain! Man in Black: Life is pain, Highness. Anyone who says differently is selling something.
