Need Questions Answered about Insurance?

[Oscar]

Bully......................this NSR guy is a sad guy cause most of his info is wrong....bet he works for State??

Nah - AA.
He's been trashing my insurance thread, the bastid.

[Grahameeboy]

Nah - AA.
He's been trashing my insurance thread, the bastid.

and he thought AA were in K4K???...........which AA is it then!!!...he he

[NSR-Dan]

As for getting stats from the police - would you like to show us some? As far as I am aware the police don't keep those sort of figures.

there passed on to the LTSA that provides them insurance companys.

According to our claims dept, the AA is not a member of the Knock for Knock. Check your facts.

strange we just had a claim the other day that involved knock for knock and i have never heard of membership.

The article was published in Kiwi Rider in 2001 and was written aimed at Joe Average. You are correct however, we don't like insurance companies - they have claims departments full of pedants like you looking for the easy decline.

sorry i am not a claims consultant. i am a senior underwriter. i guess people can make there own mind up who to believe. someone who works in finance not actual insurance, or an underwriter that changes, reviews and modifies policys all the time.

Insurance Claims Register? QBE and The Whothefuckcares Insurance?
I'm a Broker, Sunshine - I represent the client, and don't give a flying fuck about organisations set up to harass the consumer.

i find it amusing that you cant explain what its there for and refered it as a system to harass consumers.

it is where claims are recorded so all registered companys can look up someones claim history. its not there to harass consumers its there to prevent fraud from people trying to lie about there insurance history just to get insurance.

brokers are registered with the ICR, i assume you work for blackwood and doyle, as they insure through QBE which correct, is not registered with the ICR. also you didnt know AMI is not registered is strange which is one of the most well knowen facts of the insurance sector

[NSR-Dan]

Well, that seems clear enough. The insurer cannot avoid liability by an irrelevant exclusian. And very properly so. Thank you for that. I am interested to see the actual statute, there are so many conflicting arguments.

But the eBike thing, you say, is now based in Australia, and maybe Australian law is different (which would not affect a NZ claim though).

god damn it

if its writen in the contract that the vehicle must be road worthy and registered and its not at claim time, thats a bloody breech of contract and cover can be cancelled alltogether and no claim payed out.

[Oscar]

there passed on to the LTSA that provides them insurance companys.



strange we just had a claim the other day that involved knock for knock and i have never heard of membership.



sorry i am not a claims consultant. i am a senior underwriter. i guess people can make there own mind up who to believe. someone who works in finance not actual insurance, or an underwriter that changes, reviews and modifies policys all the time.



i find it amusing that you cant explain what its there for and refered it as a system to harass consumers.

it is where claims are recorded so all registered companys can look up someones claim history. its not there to harass consumers its there to prevent fraud from people trying to lie about there insurance history just to get insurance.

brokers are registered with the ICR, i assume you work for blackwood and doyle, as they insure through QBE which correct, is not registered with the ICR. also you didnt know AMI is not registered is strange which is one of the most well knowen facts of the insurance sector

If you are a Senior Underwriter with AA, God help your clients.
Care to show a copy of this thread to your Manager?

[Grahameeboy]

[QUOTE=NSR-Dan]

Mmmm...Brokers are not registered with ICR?? It is run by ICR and funded by registered Insurer's.

AA are not in K4K..you may have heard it in the context of a K4K accident as oppose to K4K Agreement.

[Grahameeboy]

god damn it

if its writen in the contract that the vehicle must be road worthy and registered and its not at claim time, thats a bloody breech of contract and cover can be cancelled alltogether and no claim payed out.

Read the Insurance Law Rerform Act..........sorry you are very wrong and you have just been a bad advert to Insure with AA

[NSR-Dan]

Jeez, you don't give up do you?

1. The correction you made was wrong - State is a wholly owned subsidary of IAG.

2. The article was written five years ago, I know work for the main company.

3. We write our own policy wording and insurers accept it. That way our clients don't have to put up with chickenshit policy wordings like yours...

i would like to know the companys that accept a brokers policy wordings

[Oscar]

god damn it

if its writen in the contract that the vehicle must be road worthy and registered and its not at claim time, thats a bloody breech of contract and cover can be cancelled alltogether and no claim payed out.

Seriously, you should stop digging yourself deeper.
A "Senior Underwriter" who does not know about the Insurance Law Reform Act is not a glowing endorsement for AA Insurance...

[Grahameeboy]

Seriously, you should stop digging yourself deeper.
A "Senior Underwriter" who does not know about the Insurance Law Reform Act is not a glowing endorsement for AA Insurance...

Oscar 10 4.....over and out good buddy

[Oscar]

i would like to know the companys that accept a brokers policy wordings

Most of the ones we deal with.

[bane]

oh gawd!!! wont someone think of the spelling!

great stuff guys, really enjoying this (even if I understand very little of it)

[Grahameeboy]

i would like to know the companys that accept a brokers policy wordings

Mmmmm....many Insurer's have agreed Broker Policy wordings.......AA do not because they do personal insurance.

[Oscar]

Oscar 10 4.....over and out good buddy

Yeah, I'm off too.
This is a little embarrassing...

[Ixion]

god damn it

if its writen in the contract that the vehicle must be road worthy and registered and its not at claim time, thats a bloody breech of contract and cover can be cancelled alltogether and no claim payed out.

No. Not ciorrect. Read the law Mr Oscar has quoted.

..

the insured shall not be disentitled to be indemnified by the insurer by reason only of such provisions
..

Anyone (including insurance companies) can write clauses and provisions into contracts until their eyes bulge. But NONE OF THAT CAN OVERRIDE THE LAW OF THE LAND.

It's just like the Consumer Guarantees Act. You can put a clause in your sale contracts in print a foot high and written in blood saying the CGA does not apply, and that clause will be completely meaningless and irrelevant. because the LAW has said that any such clause is void.

As, in this case, the statute quoted by Mr Oscar says that any such clause in your policy is void, except insofar as it can be shown that the exclusion was relevant to the claim