TIO

I recently had a fantastic experience with TIO We had been with them for 15+ years as landlord insurance customers and moved interstate then sold our property. We had somehow neglected to cancel our insurance for some time. When I eventually called to cancel the policy the customer service representative refunded the back dated payment to the… Read more

sale of the property. I had not expected or requested this. Amazing customer service! I only wish TIO were Australia wide

Initial contact with representative who seemed to know less about process than I did (first time accessing vehicle insurance claim for me) Removed part of claim application prior to approval without informing me of this. Subsequently advised that part of insurance claim would be reapplied and that I could contact my dealer to proceed with… Read more

repairs.

Contact from dealer advising this was not the case.

TIO representative then tried to blame dealer for this issue before ultimately refusing to add on to claim.

Overall very disappointing

Worst experience still awaiting , no communication at all, doesn’t care about how someone is suffering Had a car damage one late evening, was already dark, while driving sth from the fence wire or sth stuck underneath the car as the fence was fallen on my own driveway, unknowingly press acceleration then heard loud noise but still we parked the… Read more

car not knowing the damage Then next morning found both the car rim was twisted breaking the steering rack and other damage underneath and because the rim twisted it damaged the outer panel a bit as well

Claimed the insurance explains hundred time this incident now insurance keeps saying the panel damage and underneath mechanical damage is different, happened due to two accident not one And mentioned only panel damage will be cover not mechanical, however it is clear that mechanical damage happen due to incident how stupid and later as I keep saying there not true, donot worry about panel but underneath damage is impportant then they asked claim another insurance for mechanical which I did as per them but then again after three months they saying the same holding my car since last year still like that

I am paying the premium regularly

Being a mom of a baby and 12 year old daughter have a hard time every single day Using Uber for my daughter up and down from middle school which is not safe for kids to travel alone

I have to call every day, week but mostly new person answer and have to explain everytime, I have requested to talk with accessor but never gave to him always told me accessor will call back but never received, I asked for replacement car but didn’t provide too

Always got email once a month investigation going on never explained properly,

Please help anyone ??

I am getting mad with this issue, anyone knows what to do ????? Need help please

Excellent service – I have been a customer with TIO for 5 years. I have never had any issues with them and whenever I have spoken to someone they have been kind, professional and helpful. Show details

TIO MACC CTP MVA insurance – After 4 years of trying to work with TIO after catastrophic spinal injury… let me sum up… There’s no low, that’s too low for TIO (Allianz) And equally interesting there’s no option for motorists only home… Profit over responsibility… Show details

Car insurance nightmare – I had a car accident in Tennant Creek on 26/ 8 /21....it is now 7/10/21 with no effort made by TIO to send the car for repairs in Alice Springs. They have no idea of geography,claiming they need a local repairer rural. I am without transport and no assistance from them. I should have read the reviews before signing up. Show details

A Total Disgrace – The break and enter to our home was difficult enough to deal with. What transpired over the next three months was nothing less than appalling and way more traumatising than it ever needed to be, with extremely poor management by the insurer and their choice of repairer who offered the worst imaginable concept of employee engagement, works… Read more

delivery and communication with ourselves. Total contempt for the homeowner on all fronts by both the insurer and their allocated repairer. The first month was spent by the insurer valuing the extent of the repair job and then deciding on engaging the repairer of their choice - something I would not encourage a homeowner to allow for in an insurance policy agreement. Six weeks after break in we were advised that the window frames and glass had been ordered but had not arrived in Darwin. Then we were asked by TIO to pay the $1,000 insurance claim fee to the repairer, as well as copping an 18% rise in cost of our premium after more than five years with no house claims made by ourselves. Another month went by and works commenced late in April, some two months after our claim was presented to TIO. Another month transpired and the job was finally completed mid May. I complained in detail to TIO about the conduct of the employees assigned to our job by the repair group chosen by TIO and it had very little real interest in return from any party, TIO included. No interest was shown in follow up after the job was finally completed, or expressed by TIO, as to want of customer review or satisfaction of the delivery and quality of the important works undertaken at our home, or for anything else at all. The only correspondence received by ourselves after job completion from TIO was a short email to tell us that “all requirements were satisfied, the claim is finalised and we will now proceed to close our file”. Well, that is their opinion, after all, they are the insurer. We are just the homeowners. We are now seeking another insurer.

Very Greedy company – Had a very disappointing phone conversation with TIO regarding an issue that happened to my house in Darwin and I thought I would see how other people reviewed this company.... And guess what, the first review I read was identical to mine........"Two close identical issues on the same pipe in a very short timeframe apart are counted as 2 issues and thus 2 premiums to pay...no! That's just greedy. Not what I'm paying for"... Would not recommend Show details

Unfair claim assessments – Two close identical issues on the same pipe in a very short timeframe apart are counted as 2 issues and thus 2 premiums to pay...no! That's just greedy. Not what I'm paying for. Show details

Car insurance claim – Had an accident on 26 of June 2018. It is the 2 of August and nothing has been done, each time I ring Tio insurance, I'm talking to a brick wall.  Show details

Happy customer – Highly recommended for car insurance. My car was written off & they made process of claim easy & hassle. I got good value for my car. Can say there are some companies who cares for customers over their profits.  Show details

Not Happy So Far More To Follow As The Saga Unfolds – . Policy felt like good value, in its initial stages .Policy was easy to set up, a little to easy in my opinion . Partial satisfaction - cant seem to get consistent answer though. Even sent DASH CAM footage to support claim, in case of dispute, two separate consultants have viewed it and the other party has not disputed fault. "They just… Read more

don't seem to want to pay up "

I don't understand what the delay is and they cant explain it either, it just goes on,

The (Slightly Flawed) Dream Insurer – We have had home contents and car insurance with TIO for many years. Earlier this year, our house was broken into, and money, items and our car were stolen. The car was then trashed. What follows is the story of the claims we made for compensation. We lodged our claims through the Internet and by phone. The process was reasonably painless, and… Read more

the TIO staff uniformly friendly and helpful. Their attitude seemed to be that a claim was as natural and normal a part of their business as receiving premiums; they were sympathetic to our losses, and helpful in guiding us through the bureaucracy of completing the necessary paperwork, and lodging the necessary forms.

At this point, there was a bit of a delay. A major catastrophe had struck in Alice Springs, far to the South of us (we live in Darwin), and all the assessors were busy. After a little prodding, and a few weeks, however, all was resolved, and we had our pay-out. During this stage, the staff once again were both apologetic for the delay, and sympathetic to our plight.

The pay-out, for our stolen vehicle and house-contents, was very reasonable, and, allowing for the uncertainties of the value of things, left us content. TIO, so far as we were concerned, had played us most fair. We thought they deserved a 5 out of 5 rating for their fairness.

That, however, was not the end of the story.Today, a month or so later, I received a phone call from them. It seems that in the shuffling of paperwork for the claim, the paperwork for one of the stolen items had been misfiled in their office, and been overlooked in calculating our pay-out. Now it had come to light, and they were going to pay us for it. I think that deserves another half-point. So, I am giving them five-and-a-half points out of five.

So what was our overall impression of TIO?

Much of our contact with them was via their local (Palmerston) office, where the staff are uniformly friendly, and attempt to be as helpful as TIO's system allows. Unfortunately, that is really not very much. TIO provides a comprehensive range of legal documents, a very modest variety of brochures to help you *buy* insurance, but almost nothing to help you *make a claim*. Not even on their website! I thought that this might be because TIO doesn't like claims, but the phone staff's attitude suggests otherwise. Nevertheless, when it comes time to make a claim, you are strictly on your own. Our policy entitled us to a rental car; nobody bothered to alert us to this, nor to remind us of other things that we perhaps should have thought of. We were on our own! TIO was only interested in dealing with the legal and bureaucratic processes of paying us out for our stolen car, and totally neglectful of helping us with the task of replacing it.

Still, what goes around, comes around. Because of TIO's indifference to helping us through the process of replacing our trashed car, we ended up insuring our new car with another company. This was not because we disliked TIO; it was because another company took the trouble to make it very easy to get replacement insurance. And just at that particular moment in history, 'easy' was what we needed.

Customer service and a great product – I'm not usually one for public product reviews but after being messed around by several different companies with travel insurance claims, I can honestly say TIO is the only company I'll ever use again. Excellent customer service, fast claims turnarounds and no horrible off shore call centres! Please keep up the great work TIO.  Show details

Excellent Service – I have had TIO Landlord Insurance for a property in Darwin for a number of years and have had the misfortune to make 2 claims during the the past year. One was an electrical problem with an Air Conditioner and switch board, and the other with tenant damage to a door and vertical blinds. Photos were taken and a proffessional trade opinion was… Read more

obtained in each case. Details were submitted with the claims, which were promply settled.

The staff were exemplary, pleasant, knowledgeable and punctual with all their dealings with me.

Never waiste your money here – Aftrer having house insurance with TIO for 5 years and never making a claim, we convered our policy to landlord insurance this year and unfortunatly had the tenents from hell. After only being in the house for 7 weeks, they have done over $8000.00 of damage which TIO wont cover, saying it is reasonable wear and tear. Buyer beware- TIO are full… Read more

of promises and deliver nothing. By far the worst insurance company I have ever had the misfortune of using,

They cover nothing- dont waste your money

Good Honest service – I have been with TIO for many years,I have 2 cars and housold contents with them. I have made a few claims over the years and found them to be excellent. I wrote my car off 2 years ago and they paid me the market value for my car 5 days later. Quick resulition of claims,easy to deal with