STATE insurance

[paulngui]

When I bought insurance with STATE, I explained that my car doesn't have an aftermarket alarm, just the factory immobiliser. I stated this explicitly and asked whether there would be an additional theft excess on top of the basic $500 + $450 for being aged 21-24 and was told no there wouldn't be.

I later asked whether it was worth me bothering to get an alarm installed by an NZSA approved installer since, to my understanding, I've already got the lowest premium/excess my security system can give me. But then the person who I set up my insurance with has turned around and said that being only a factory fitted immobiliser, there will be an additional $4500 theft excess on top of the $950. Can she/STATE do this? I agreed to the insurance policy on the pretense of a $950 excess with the existing security system, NOT $950 + $4500. Consumer guarantees act and so on...

[LAtitudeNZ]

Did you get it in writing stating excess and factory fitted immobiliser?

[paulngui]

The policy says "security immobiliser (to insurer standards)"

[subieboy]

 paulngui said:

The policy says "security immobiliser (to insurer standards)"

Your buggered

Fit the alarm as the paperwork does say to insurer standards and that means minimum alarm. Sucks that she lied to you but thats not unheard of in the industry for loser sales people desperate to make budget...

[paulngui]

Ah well, I wanted to get an aftermarket alarm regardless. But it's the principle.

[Jakee]

State are pretty shoddy. I had a 950 excess on my first subaru, then I was hit and when I claimed they declared my excess to be 3500 (the car was only 2000k). Never going back to State ever.

[paulngui]

Lame! And did they gave any reason for it being $3500?

[MercuryFree]

Me and a friend of mine have had our insurance through state for years, was easy as pie when I claimed a new windscreen, and when he wrote off his car I don't believe he had any problems.

Like all insurance companies / companies in general, who you deal with is more reflective in the service you get than the company itself, in most cases.

My car had no alarm when I bought it so they imposed a $3800 extra excess on theft until I got one put in...so fairly standard and ENTIRELY reasonable! Would you insure a non alarmed turbo suburu without a big theft excess if you were in their shoes? I think not. (Not sure if your car is turbo but still)

[wrx_lou]

Did you do it by phone? They recored their conversations so maybe you coukd ask to hear it.

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[Joker]

IIRC State appear on Fair Go more than any other company and are on their wall of shame for a reason...

[Jakee]

 paulngui said:

Lame! And did they gave any reason for it being $3500?

Because I was 16 and it was a Subaru

[subieboy]

 Jakee']

Lame! And did they gave any reason for it being $3500?

Because I was 16 and it was a Subaru

Yar sunshine go read the policy documents, ALL insurance companies have additional imposed excesses ontop of the normal excess for drivers under 25...

That is standard

So the below should read: "I was a silly sod and did not read my insurance documents correctly and missed hte excess bits about drivers under 25, Woops my bad lesson learnt"

Pretty lame blaming others for your own negligence mate :

[quote name='Jakee said:

State are pretty shoddy. I had a 950 excess on my first subaru, then I was hit and when I claimed they declared my excess to be 3500 (the car was only 2000k). Never going back to State ever.

[Jakee]

 subieboy']

Lame! And did they gave any reason for it being $3500?

Because I was 16 and it was a Subaru

Yar sunshine go read the policy documents, ALL insurance companies have additional imposed excesses ontop of the normal excess for drivers under 25...

That is standard

So the below should read: "I was a silly sod and did not read my insurance documents correctly and missed hte excess bits about drivers under 25, Woops my bad lesson learnt"

Pretty lame blaming others for your own negligence mate :

[quote name='Jakee said:

State are pretty shoddy. I had a 950 excess on my first subaru, then I was hit and when I claimed they declared my excess to be 3500 (the car was only 2000k). Never going back to State ever.

/quote]

Get of it, my policy which was emailed to me and mailed to me said my excess was 950 with NO mention of an additional charge. In nice big letters on the front page it said 950. Smart ass.

How about you change your post to "I know everything and have exclusive access to other peoples insurance documents"

[wrx_lou]

Lol. Did you read the pavges after?

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[Jakee]

I went through the whole thing again today, no mention

[subieboy]

 Jakee']

Lame! And did they gave any reason for it being $3500?

Because I was 16 and it was a Subaru

Yar sunshine go read the policy documents, ALL insurance companies have additional imposed excesses ontop of the normal excess for drivers under 25...

That is standard

So the below should read: "I was a silly sod and did not read my insurance documents correctly and missed hte excess bits about drivers under 25, Woops my bad lesson learnt"

Pretty lame blaming others for your own negligence mate :

[quote name='Jakee said:

State are pretty shoddy. I had a 950 excess on my first subaru, then I was hit and when I claimed they declared my excess to be 3500 (the car was only 2000k). Never going back to State ever.

/quote]

Get of it, my policy which was emailed to me and mailed to me said my excess was 950 with NO mention of an additional charge. In nice big letters on the front page it said 950. Smart ass.

How about you change your post to "I know everything and have exclusive access to other peoples insurance documents"

IDIOT

GO READ THE FULL POLICY DOCUMENTS

[Jakee]

I HAVE THEM HERE! I HAVE READ AND REREAD THEM

[madmike]

 Jakee said:

State are pretty shoddy. I had a 950 excess on my first subaru, then I was hit and when I claimed they declared my excess to be 3500 (the car was only 2000k). Never going back to State ever.

If you were hit and it was not your fault your excess does not apply...

[wrx_lou]

Unless they didnt have insurance

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[Divine]

 Jakee said:

I HAVE THEM HERE! I HAVE READ AND REREAD THEM

CAPS LOCK

Get your Policy Document AND YOUR POLICY SCHEDULE

Policy Wording is for everyone, Schedule is specifically for you.

If you really have a problem, go to the Insurance and Savings Ombudsman, it cost state $1000 each time someone goes to it. They will resolve any problems for you for free.

[DRFVDR]

or even better

cancel your insurance with them and go else where

[aim]

 subieboy said:

Yar sunshine go read the policy documents, ALL insurance companies have additional imposed excesses ontop of the normal excess for drivers under 25...

Bullshit.

I'm under 25 (21), had two claims and have never been stung with an "extra excess". My excess is $500, I know, I've paid it twice.

[wrx_lou]

On a full licence?

Makes all the difference.

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[rex-leggy]

 wrx_lou said:

Did you do it by phone? They recored their conversations so maybe you coukd ask to hear it.

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i tried this got told that i lied on my application......said no i didn't.....they said we tape the conversations...... i said lets play them then ...... they said no.

i then said sorry but im canceling all insurance i have with you and am going elsewhere .

never going back to aa

[aim]

 wrx_lou said:

On a full licence?

Makes all the difference.

Full since I was 17.