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Originally Posted by Kev_BLNXR8_Ute
I just hope I dont need to make a claim anytime soon.
Kev
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I guess that's the whole crux of the situation.........no claim , no worries.......which is kind of ironic....the whole point of insuring yourself is to ensure you have protection when you need to claim !
Shannons are real nice people to deal with when they can recover their loss ( not at fault with witnesses and recovery details from 3rd party ) , they also offer good value for modified cars that are driven daily. Some Insurers will not even touch the cars we drive. Its always a good idea to bounce your claim and your grievance on a second person / supervisor with any situation. I've had numerous instances with my policy renewals that were overturned because I spoke with a more senior person at Shannons. Yes, it shouldn't happen in the 1st place..........but it doesn't hurt to follow up and in the end, the PDS should always be read in full to avoid any confusion.
I think we would all be very surprised ( some even horrified ) if we all read our PDS from our individual insurers. I have a good guess that there may plenty out there that would find themselves potentially uninsured even though they pay their premiums..........some of the conditions on the PDS would preclude any payouts. ( not just Shannons.....same goes for Rhino , VGL , RACV , etc etc )
A simple thing like not declaring a modified exhaust, or the fact that the car is kept in a carport and not a lock up garage can change the whole situation rela quick if the Insurance company takes the claim to task.
READ, READ , READ the PDS and ask a million questions if you have to. Better safe than sorry, and better to pay an additional $2-300 , even $500 per year than to suffer the loss of MANY THOUSANDS.