STATE insurance

[boon]

 Divine said:

They dont actually record conversations, they have the option to if things get rowdy, but they don't through normal course of business, and under the freedom of information act, you are entitled to every piece of information they have of you.

I'm like 99% sure IAG record all calls, I know someone who works on their system and that's what they told me.

[Divine]

I worked for IAG, but could be different with different departments.

[resurrection.inc]

yup state or iag recorded mine they used them to clear up an issue

[Flunk]

 aim']

[quote name='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...

/quote]

Bulls***.

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.

+1.

I have been disqualified twice, and have a dangerous driving charge.

I was 24 when I got insurance on a TT.

$350 Excess.

Edit: Funny thing is, they wont cover it at all if my wife is driving as she only has a restricted license, even though shes had it for about 7 years, and never had a ticket for anything in her life.. I lold.

[bubblz]

had use state before..was ok not much problems with payouts in damage done to my car but they do take ages..my one gripe about them is i used their "state approved" repairers and even to my useless mechanical knowledge i could tell that the job was shoddy az..took it back to the assessor and he was like wot the fuck?..so in all if they sponsor that kind of work says alot about their business..it was enough for me not to want to use them again..

[TRICKS]

I could be a tad late on the topic but from experience with State and IAG (both) dodge (only my opinion) the fair trading act still covers you and you can still pursue the mater in Court regardless if you have this in writing or not But of course would be better if you had something in writing, obviously :

But the fair Trading act could possibly apply in this case if you were mislead by the State rep: Fair Trading Act 1986 No 121 (as at 01 May 2011), Public Act .... Part 1 section 9,10 Misleading and deceptive conduct, false representations, and unfair practices:

9) No person shall, in trade, engage in conduct that is misleading or deceptive or is likely to mislead or deceive.

10) No person shall, in trade, engage in conduct that is liable to mislead the public as to the nature, manufacturing process, characteristics, suitability for a purpose, or quantity of goods.

you can read through the act http://www.legislation.govt.nz/act/public/1986/0121/latest/DLM96439.html

I would suggest you get some legal advice, first. I would also suggest you put in writing and request state correct and inform you of your policy. Or just take them to court.

I hope some of it helps

[subieboy]

I can only but laugh sometimes...

Insurance companies have more solicitors than you can shake a stick at that would have examined all possibilities you would have virtually no chance in court...

And Fair trading act... love how people quote that willy nilly without actually understanding the context of the legislation.

If you have issues with Insurance companies and have a dispute that can't be resolved with discussions/meetings with the company themselves then you can apply to the Insurance & Savings Ombudsman.

Indeed this is the first place you would be referred to by any half arsed lawyer anyway.

AS always, read the FULL disclosure documents, the PDS and everything else they send you as ALL the documents make up your contract... And no its not that little 5 page thing they send you in the mail

[TRICKS]

 subieboy said:

I can only but laugh sometimes...

Insurance companies have more solicitors than you can shake a stick at that would have examined all possibilities you would have virtually no chance in court...

And Fair trading act... love how people quote that willy nilly without actually understanding the context of the legislation.

snip

IAG sure did have a lot of lawyers in my case to .. still didn't stop the courts from seeing that that they over charged and fail to disclosed the total cost involved, it sure was not up to me to prove I knew about all the hidden charges, that fell on IAG (if I get time ill photocopy what the Judge actually said when rendering his decision) legal cost for my lawyer from Auckland from Vulcan lane chambers (Peter Kaye) was covered in the pay out, I think the man knows what the fair trading act means, but possibly you might know more than him, I am not too sure. the end of the day, trial, dispute, I walked away with 7gran. I was told by a whole lot of people that I was screwed too due to the fine print, if I was to be screwed then what will I have to lose by challenging them in court, lawyer fees? pffft that was legal aid, because I was a student, but Judge made IAG liable for my lawyers fees because they were at fault.

Sure ill admit it was not done in a day, 4 months, 4 months for 7 gran yep ill would do it again if it happen again.