St.George Home & Contents Insurance

The monthly premiums are easy. The premium is such a good price. Half my previous house insurance. My claim for garage ceiling after waterstorm in October was treated as urgent and an inspector turned up within hours. A second leak in January was found. The company were so kind & considerate of my needs before $. There inspections found a few… Read more

faults which I had done asap by my trade. Then the insurance took over. The tradesmen arrived on the right day & time. They were immaculately clean & tidy. My life was considered at every turn. They helped me with computer heiroglyfics that I understood and they helped me by phone answer & complete their forms. They moved furniture & stored my things in a pod. The supervisor arranged everything with me in the loop. The supervisor/s were on the phone at every aspect. Im so impressed. Brilliant amazing & im so greatful. Thank you thank you

Dont do it – Sales rep sells you on the features on your policy, only for the policy to "change" when it renews and the features they'd sold you on are no longer covered. Very deceptive with the policy renewal to not tell me of the changes and went to go make a claim and no longer covered. Extremely disappointed. Show details

Don't even think about it!! – Ok I'll try and be brief. St George is the retailer, Alienz is the underwriter and another company that goes by the name Mk3 PtyLtd is another company that actually handles the claims and who you will be dealing with in the event of a claim. The person we are dealing with at Mk3 ptyltd (what sort of a name is that) seems to be working from home… Read more

and if you have a spare 6 hours plus to wait on the phone for him to pick up will tell you anything then deny he said it or do anything about anything ever. I don't have the room to go into detail, just Don't use st George.

Just Answer the Phone – Still waiting on hold and just ticked over 35 minutes. Blaming Covid which is now just a tired and pathetic excuse and fools no one. When I did get through I complained and also asked if I can access account online. He said no and then said this just the way it is. What a pathetic response to so called valuable customers. Show details

Terrible wait times – Every statement says to call 13 33 30 regarding any questions, where you'll be on hold until you grow grey hair, only to be told you need to call another number, and again be on hold until your passing. Show details

Impossible to contact – Impossible to contact, they provide no email information only a phone number (with looooong wait) or option to message on banking app (which you can’t access if you only have insurance). Good luck getting or providing any information Show details

St George home insurance – I called & changed my direct debit bank details for my home insurance monthly direct debit. All recorded & repeated back to ensure the details were correct Two months later a letter arrived advising that I had defaulted twice so my policy had been cancelled so my home was uninsured during this time. When I called they asked for my account details… Read more

& admitted an additional number had been recorded so was their error. I was given 2 options- a) pay the arrears for the two months that I was uninsured due to their error & they would reinstate the policy b) start a new policy but the monthly cost would increase. When I questioned this given it was their error & asked to speak to the manager I was told I don't have a current policy therefore could not talk to a Manager directly. What industry gets away with charging for a service they did not provide? We all know that if my home burn down during that time they would not have covered me yet they want to charge for their error!!! Definately do not recommend this company!!!

No proper response – Filled applic. through Int. It did not question security devises. When phone to insert devises was told policy increased by $80.00 . Challenge St George to phone me about issue as it favour both parties. Show details

Rip Off – We took out H&C with St G because they had our mortgage - thought it would make things easier. It didn't. It's badged as St George but it's with Westpac (now Allianz). Had I known that Westpac was involved I would have gone elsewhere. We made a claim in December 2020, although initially the claim is made to St George - from that point there after… Read more

its Westpac. The assessor said to me that the damage would be covered. Unsurprisingly his report said it was our fault and for this reason. Westpac rejected the claim. I tried ot call the representative form Westpac my call was answered by person who did not know the representative or his department (this is Westpacs mo). Contrary to Westpacs repeated insistence that we engage with their internal dispute process, we made a complaint to AFCA. Westpac's conduct dealing with AFCA was outright dishonest. After 7 months (delays attributable to Westpac's repeated submissions to AFCA) AFCA found in our favour. Now that Wesptac have been directed to pay on the policy that have simply refused to communicate with us. I called St George, unsurprisingly, they have no interest but tried to reassure me that if I renewed my St George policy for another year that it would be underwritten by Allianze, not Westpac. Thanks St George! Our house remains damaged. We have no choice but to submit a fresh complaint to AFCA (another 6 months). Westpac are and will always be criminals and St George are complicit. Westpac's practice is to deliberately delay within the intention of wearing me down so that eventually I will accept their partial offer of settlement.

Disgusting Insurance For Investment Properties. Disgraceful. WORST. Avoid At All Costs – Absolutely disgraceful insurance. Will do everything to avoid paying by pointing out the most ridiculous "policies" in their PDS. Customer service is no help whatsoever, actually argues on the phone to make it seem like you don't understand the policy - to make matters worse they take WEEKS to even respond to basic claims, then ask for a simple… Read more

document, WEEKS LATER, ask for one more useless piece of information, WEEKS LATER tell you you're not covered. Complaints they will get back to you... WEEKS LATER. Truly couldn't care less about their customers.

If you want insurance for tenanted properties AVOID ST GEORGE

Call centre waiting time is way too long! – Each time I wish to request for a new currency of certificate I would have to wait 30-45mins just a simple task. Why can't they automated this? They know to automate the policy renewal and deduct new fees but cannot provide this document automatically with each renewal. Since I have multiple properties with policies which means I have to call… Read more

regularly. Operators are usually polite and nice but their system is like operating in stone age, get with time please.

Lowest price quote and gave me money back – After receiving a crazy renewal price on my house and contents insurance from my previous insurer, I did a search to find a better deal. Saint George came out considerably less than others. I was very happy with their charges for my required level of cover and signed up with them. Many months later, in moving house I had forgotten to cancel my… Read more

policy. Some four weeks later I remembered and called them to cancel my policy as of today. The man on the phone asked when I had moved, I said a couple of weeks ago (in my embarrassment for being so slack), he asked if I knew which exact date as he could refund me my over-payment. I looked up the exact date of settlement and told him the date and he said he will organise the refund for my over-payment and he forwarded me an email immediately cancelling my policy with my refund to follow. I am very impressed with this and will definitely seek another quote on my new house.

Avoid like a plague! – Nothing is actually really covered. The PDS statement is worded to make them avoid all claims and needs a lawyer to even understand it. Couldn't even get consistency in customer service. Show details

Bad customer service – After receiving a renewal offer that reflects an almost 20% price hike I called and took up the recorded offer to receive a call back on the same day. I did this twice over different days. Both times St George did not bother to call me back.  Show details

Can't get an address correct for insured property – Expensive, horrendous customer service and lengthy delays with even basic requests. It took 7 phone calls and 3 emails for their hopeless customer service team to correct my residential address. St George insurance had the wrong address on the insured address, not even sure how that's possible since my mailing address was correct. Making claims is difficult, it takes weeks for them to get back to you. AVOID Show details

Starting a claim after storm water/ flash flooding to my home and contents – So far they have been great!... storm water from flash flooding came through my property and ruined a lot of contents but I wasnt sure if my house was safe. My husband was away and I have a baby so the MK3 assesor David Kelly came out asap and checked on us. He was so amazing! He made sure me and bub were safe, went thru the whole claiming process… Read more

with me and left his own personal tools, fans etc to get my cleanup and claim going. I am not yet up to the part where i value my property and get reimbursed but the customer service side of things, mk3 have gone above and beyond! Even Liz, the lady who I dealt with over the phone stayed back in the afternoon to review my videos to make sure we were OK. Im not sure what more you could ask for in an emergency...newcastle area.

Took them 4 months to find a way not to cover – My house got broken into in January, and after providing evidence after evidence. after each document, 3 weeks and another question. For them to find a way not to indemnify... Show details

Drawn out claim, blamed me for not chasing them more frequently – Changed from our long time insurer due to cheaper price offered, after first claim attempt just discovered why. I have just contaced them (again) after no response within the time frame they specify (again). Claim got put through on the spot as I had supplied all the documents requested of me. I asked if he could explain why it had taken so long… Read more

over the time limit they specify and why I received no response or correspondence from them. His response, it was my fault because I should have been calling more frequently to check they were doing what they told me they were doing. They are cheaper for a reason, just bare that in mind if you're tempted to change to them.

Do not insurer through St George – Worse decision I have ever made, I got talked into swapping from my long time insurer when I took out an additional property mortgage, yes they were cheaper but now that I need them, no compassion, no assistance, no cover. I will never recommend or use them again. Because of this I am transferring all my accounts and properties to another bank,… Read more

will they care "No" but I will feel better. Pay a little more in premium but get better cover. Save yourself heartache and insurer elsewhere. Mk3 where also the Assessors that came out to my home, horrible person, all he wanted to find were reasons to ensure the claim would not go through, who pays them St George, what else would you expect.

Can’t even speak to anyone – Trying to update my policy and tried to make a claim (separate enquiries) - have rung them multiple times for the past 5 days. Cannot even physically speak to anyone.. just hearing the same automated message (press 1 for blah blah blah). Cannot use their email function as it says not working. Absolute sh*t.  Show details

Terrible Experience Avoid at All Costs - Stress Not Worth It – It has been 3 months since the flood at my place. 600 litres of water everywhere. Mk3 Assessors were engaged. They were rude, misogynistic and utterly useless at recording the items damaged. Avoid St George and Westpac and anyone else connected to them. Trying to get the payment (very low, considering the distress & damage etc) was a complete… Read more

nightmare. Do NOT USE these people they are absolutely terrible. No idea of customer experience or care for the client at all.

Avoid using St George Westpac Contents Insurances – I have had water damage to my kitchen and timber floorboards. Provided quotes to Claim Central who are the assessors for St George. To have the kitchen cabinets replaced (polyurethane kitchen panels) Claim Central /St George have quoted to replace my kitchen draws and infill panel for only $411. that is it. Claim Central would prefer having… Read more

their tradesmen repair the damages to your home and pay their trades WAY BELOW the LEGAL WAGEs.

Claim Central have quoted me $211 to buy, install and cut to size solid core front door . THEY CANNOT BE SERIOUS - a front solid door is around $700 - $800 purchase and install.

Something is not Right here... When Claim Central provide you their Scope of Works and their assessment of repair costs, they are seriously allowing for budget repair works and NOT to the same value of the damaged goods to repair at todays costs. They provide you with under Budget rates so their trades can repair the damage to your home. Claim Central/St George do not provide you with a Scope of Works to the Recommended Retail Value when you are to repair the works yourself (cash settlement) and you will be paying RRP doing the repairs yourself.

Long story short. St George do not give a stuff about clients and are hiding behind Claim Central who provide you with Budget repair pay out so they can have their Win with St George/Westpac. So the cheaper payout they give us, the premium paying customers, the better for StGeorge/Westpac.

the Sager continues. DONT HOLD YOUR BREATH.. no one returns your call.

25 minute telephone call wait! – St George made me wait 10 minutes to talk to someone, who then transferred me to the tax office!! I am now being told to wait another 15 minutes before I can speak to someone. AND who knows who they will choose to transfer me to then!  Show details

St George insurance given me stress – After a month of trying to claim for my bed and washing machine, finally said they will approve, after waiting 5 working days, I rang them they said my clam is rejected, because my bed is very expensive. First they wanted proof or purchase, which I gave, then they wanted quote as to say they are not repairable or useable, I gave them both, they… Read more

rejected the quote I got from Myers, said it wasn't proper quote, I went to another store for another quote, rang St George back, she said cannot except it, cause it dose not describe the bed, by this time I was fuming, I said to her 'do you want me to bring the bed to Barangaroo' where they are located. She said she needs to see the label of the bed, I sent that as well. She said ok I approve it. After waiting 5 days, them not calling me back to say, it is not approved because the bed is way to expensive

Let me ask you, the washing machine I bought for $1,100, they said they will only pay me $636, which I excepted, now if the bed I had a quote for much higher than I bought why are they not excepting that.

I am still waiting on the outcome, if they reject it, I have no choice but to go to Ombudsman, this has stressed me out so much, my nerves in my body are all cross wired, I waited for 1 month for the washing machine, not being able to wash my clothes, now waiting for the bed.

St. George Insurance corrupt – Disgraceful and corrupt would be the best I would be able to describe St. George home insurance. Let me be perfectly honest here, the entire Australian Insurance Industry are having a financial laugh at our, we the consumers, expense. The premiums charged are done so without any real commitment to honoring payment for the majority of bona fide… Read more

claims should we ever need them to be. I digress let me regale you with my St. George experience.

Some months ago a severe rain event here in Brisbane caused water to enter the rear of my home through gaps created between eaves and roof iron by high winds. I took video footage of the water leaking from the top of the entirety of the rear internal wall cornice down onto the floor below. This footage clearly demonstrated not only the fact that the several areas of the roof had been compromised, but also water damage to timber mouldings, gyprock roof sheet, and associated floor skirting, swollen floor boards, paint blistering etc.

My response was to immediately call and lodge a claim with St. George, all very helpful so far. After 14 days with no movement from St. George I engaged a reputable builder to assess the damage, and repair same to a standard where there would be no repeat. The total damage bill for all reparations, and restoration to the areas compromised by the aforementioned significant rain event (clearly covered if you are to believe the Product Disclosure Documents) came to $3 200. I sent the repair bill to St. George insurance via email quoting the reference number provided by the claims person I initially spoke to. Shortly there after I am called by one of the most arrogant females I have ever had the displeasure to speak with, who basically told me that the entire invoice amounted to nothing more than maintenance and as such my claim would not be honored. So I BLEW UP telling her perhaps she might consider calling the builder and getting the information in relation to the work done before rejecting my claim without a shred of credible evidence.

Two entire months go by, the builder had informed me that he had been contacted and that St. George had agreed that my claim was appropriate in the circumstances. I finally get a call from St. George who tell me that they would be honoring my claim but only for the damage component of the invoice, which in their estimate amounted to $605 only - they then tell me that it would not be prudent for me to proceed with the claim due to the fact that given my excess was $500 it would not be worth losing my no claim bonus status, and associated revised increased premium schedule, for a meager $102. ARE YOU KIDDING ME!

If you have an ounce of self preservation do not trust ST. GEORGE insurance (WESTPAC underwriters by the way) as they will rip you off without the least bit of human decency. I am in the throws of taking all of my financial eggs out of the St George/Westpac basket and moving over to alternative smaller lenders (NOT the BIG FOUR). I guess over the term of the rest of my life any interest/premiums that I might have paid them will not matter one bit but with the assistance of 'Product Review' I may be able to assist others in some small way. Good luck with your insurance claims in the future but prepare to be disappointed as the entire Australian insurance industry is corrupt and morally bankrupt.

1 claim becomes 3 buy stgeorge how wrong are they – I have never realised how bad st George is my daughter has made a claim for 3 tvs that her wild child has broken within a month and she has spoken to 5 different people and not 1 has told her the same story .. They won't accept the 3 tvs as 1 claim and trying to charge her 300 per Rv what a bloody joke after paying all this money they want more let me know how any body feels about this matter please  Show details

Avoid – My daughter had 2 gum trees crash through her roof during the Hunter storms of April 2015, here we are, 7 months later, and she still is still living out of one room and a bedroom, with holes in her roof and ceiling, frayed and leaking tarps on the roof and containers everywhere to catch the rain as it runs into her house. St George's customer… Read more

relations are abysmal, they just take your money then fob you off. I've already cancelled my insurance with them, found to my surprise that their premiums are twice that of a reputable company, and will suggest to my daughter that she does the same

Disgusting – We were broken into on Mother's day this year. We didn't have an assessor come to our property until one month after and he missed certain items. After continually calling them and Stream we had a part cash advance and the house secured with make safe (one month later)! To date September 2015 we still do not have the claim finalised and the… Read more

door replaced nor do we have the door completely secure! No follow ups, no touching base and Stream and Probuilt Australia are the worst I have ever endured. I never heard from them regarding an update and have to chase them every month for an update. Not worth the paper its written on.

Takes too long for claim approval – Broken into 8th October 2014. Took them 5 weeks or so to approve first claim. Sent second claim as found more receipts and manuals for items stolen. Hate to see how long this claim takes as so close to Christmas. Insurance assesser missed half of the items on our receipts that he wrote down on paper. Not happy with the service from the bank.… Read more

Shouldn't take so long when you produce receipts and manuals for stolen items. To top it off. They told me that I can't claim on my spare car keys as its a car accessory. So had to make a claim on my car insurance for my keys to be re keyed.before the thieves came back and stole my 2012 car. Cost me the first $400.00. Total cost of re keying $1200.00. If they hadn't broken in my spare keys would still be here.

Misleading - they do not cover what they verbally advise they do – I took out StGeorge (also known as Westpac General Insurance) building and landlords insurance for a house I bought. I let StGeorge know it was a carpeted house and they told me all fixed floor coverings were included - everything seemed in order. 3 months later my house has suffered a flash flood, I called to lodge a claim and they inform me… Read more

carpet isn't covered, they don't class carpet as a fixed floor covering. Apparantly this proviso was in the fine print of the PDS they mailed me and even though it contradicts the verbal information they gave me they will not honour my claim.

I fell into their trap - don't do that same thing, read their PDS online before you take the insurance and don't beleive a word they tell you verbally as they are not accountable. These guys deserve a shonky award for this misleading behaviour. I have lodged a complaint with the Financial Services Ombudsman to try and prevent this happening to someone else.

Ok – benign with St George for two years just made a claim hopping i can use my card soon to the money and hopping there will not put my Insurance up but can redo my insurance again if it goes up as there ask if you had made three claims with in three years or $8000+ so hoping we don't get hit more but over all great but takes a bit for money… Read more

to come back Just ask for the money to go to bank account not as a gift card :( bad thing i did hahaha just got it but can't activate it as i don't know the pin :) great have to keep asking is happening take about 2-4 weeks to get my money back for my iPhone screen replacement

Excellent – Really good value for money, i really like the choice of 3 types of cover. Good over the phone service. I would recommend give them a go. :) Really happy with the service and was offered the best price on Home and Contents insurance. We compared pricing with 15 different insurance companies. They also offer 3 option of cover ranging from budget to premium Havent had any problems wih St George Insurance!

Excellent – You can pay by the month at no extra cost! They have just approved and paid me cheque for the claim i just made on our fence. This was damaged in the recent floods. 2 quotes sent to them and 2 weeks later i received a call then a cheque in the mail. Great company to deal with. Really professional. GREAT price. They also cover for floods. I… Read more

will be sticking to this company for my home insurance :=) GREAT thank you! We had some damage to our fence in the recent floods. Not a problem for St George at all.